Some banks that offer second chance checking accounts as of 2015 include Chase Bank, PNC Bank and Wells Fargo, according to CNN. Several credit unions and regional banks such as Woodforest National Bank offer second chance checking options as well.
With good account behavior, customers may be eligible to graduate to regular checking accounts within these financial institutions, as Bankrate details. Banks typically utilize ChexSystems to verify customers' previous checking or saving accounts activity. A customer poses as a risk if he has been blacklisted on the ChexSystems for unsatisfactory practices such as multiple overdrafts, unpaid balances and faulty check writing. Second chance checking grants customers another opportunity to utilize banking features.