What Banks Offer Second Chance Checking Accounts In Michigan?

+1 vote
Where can I find a bank or credit union that will open a checking account with bad marks on my chexsystems report?

asked Aug 9, 2013 in Other Finances by snickles1001 (190 points)

7 Answers

0 votes

Compass Bank has second chance checking accounts that you can open at their Michigan branch locations.

Here are some of their locations below and you can get more by going to their website at http://www.bbvacompass.com/locations/ and type in the city and state where you live to get the closest one to you.

20422 Mack Ave, Grosse Pointe WoodsMI 48236 (313) 882-2649

23303 Michigan Ave, DearbornMI 48124 (313) 429-2454

15255 Michigan Ave, DearbornMI 48126 (313) 584-3721



answered Aug 9, 2013 by Jacky
0 votes

Clarkston Brandon Community Credit Union offers a fresh start checking program, however you must not have any outstanding check collections or had any fraudulent activity reported.

Here is where they are located:

8055 Ortonville Road
Clarkston, MI 48348
(248) 625-2923
4 South Street
Ortonville, MI 48462
(248) 627-9944



answered Aug 9, 2013 by Cindy
0 votes

As long as there was no fraud involved with your previous checing accounts, you get a fresh start at Michigan First Credit Union with their Classic Checking Account.

Their locations are:

27000 Evergreen
Lathrup Village, MI 48076
34835 Utica Road
Fraser, MI 48026
21650 Gratiot
Eastpointe, MI 48021
3710 Dix Highway
Lincoln Park, MI 48146
3031 W Grand Blvd
Detroit, MI 48202
3610 Marketplace Circle
Rochester Hills, MI 48309
5057 Woodward Ave
Detroit, MI 48202
5221 Gullen Mall 
Detroit, MI 48202
19200 Wyoming
Detroit, MI 48221 
answered Aug 9, 2013 by Tom
0 votes
Washtenaw Federal Credit Union offers second chance checking accounts but you must have a minimum balance of $500, pay a $4.00 monthly service fee, and only an ATM card is available with this account. If balance falls below $500.00 your checks will be returned NSF and the account must be brought back to the $500.00 minimum before the Credit Union will again pay checks. You ATM card will immediately be suspended anytime your account falls below the minimum balance.
So unless you can keep a balance above $500 at all times I would not recommend them!
Here is where they are located if you are interested:
424 S. Mansfield
Ypsilanti, MI 48197
(734) 484-5100
1861 Whittaker Rd
Ypsilanti, MI 48197
(734) 961-0506
answered Aug 9, 2013 by Craig
0 votes

Cornerstone Community Financial has 2nd chance accounts with checks, online access, and a ATM/Debit card If you maintain your 2nd chance checking account for 12 months with positive account activity, you can then apply for a regular checking.

Here is where they have locations:

2955 University Drive

Auburn Hills, MI 48326
(248) 340-9310
1785 Rochester Road
Troy, MI 48083
(248) 528-1885
3001 W. Big Beaver, Suite 108
Troy, MI 48083
7291 Bernice
Center Line, MI 48015
(586) 754-2300
28310 Oregon Road, Suite C
Perrysburg, OH 43551
(419) 666-1800


answered Aug 9, 2013 by Henry
0 votes
If none of those banks or credit unions work for your situation, then you can always view our list at http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-open-a-second-chance-checking/
answered Aug 9, 2013 by BadCreditMD (2,730 points)
edited Aug 18, 2014 by tomvargo706
0 votes
I heard Central Macomb Community Credit Union has a Fresh Start Checking Program.
37570 S. Gratiot
Clinton Township, MI 48036
47011 Sugarbush
Chesterfield, MI 48047
34642 Van Dyke Avenue
Sterling Heights, MI 48312
Phone: 586.466.7800
answered Sep 7, 2013 by Jack

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