What Banks Offer 2nd Chance Checking Accounts in Utah?

+1 vote
What banks or credit unions offer 2nd chance checking accounts in the state of Utah for people who can't get approved for a normal checking accounts because of the Chexsystems?
asked Aug 10, 2013 in Personal Finance by tomvargo706 (5,290 points)

3 Answers

0 votes
Wells Fargo offers a opprortuninty checking account that is basically the same thing as a 2nd chance checking account. They have banking branch locations in the cities of American Fork, Beaver, Blanding, Bountiful, Brigham City, Castle Dale, Cedar City, Centerville, Clearfield, Clinton, Delta, Draper, Duchesne, Eden, Escalante, Farmington, Fillmore, Heber City,Helper, Highland, Hill, Hurricane, Hyrum, Kaysville, Kearns, Layton, Lindon, Logan, Magna, Midvale, Milford, Moab, Monticello, Mount Pleasant, Murray, Nephi, Ogden, Orem, Park City, Parowan, Payson,Price, Provo, Richfield, Riverton, Roosevelt, Roy, Saint George, Salt Lake City, Sandy, Smithfield, Spanish Fork, Springville, Syracuse, Tooele, Tremonton, Vernal, Washington, West Jordan, West Valley City and Woods Cross in the state of Utah.

There is a required minimum open depost of 50 dollars and a monthly service charge of $10.
answered Aug 10, 2013 by Jacky
0 votes

Cyprus Credit Union offers a fresh start checking program for people that had past banking problems and have been reported to Chex Systems. There is a $25 account opening fee with a monthly fee of $5. After 12 consecutive months with no Non-Sufficient Funds (NSF) fees and upon your request, They will convert your account to a regular checking account.

However, your ChexSystems report record must be older than 1 year with a maximum of 2 ChexSystems records where the total owed from both records is less than $500, if your previous checking account was closed because of fraud they will not open a new account for you.
The only checks they will cash for you are  Government checks or known payroll checks under this program and they will not allow you any  access to the Credit Union Service Center.
They have locations at:
3876 W. Center View Way in West Jordan
Phone: (801) 260-7600 
3505 S. 8400 W. in Magna
Phone: (801) 260-7600 ext. 1100
5750 S. Redwood Rd. in Salt Lake City
Phone: (801) 260-7600 ext. 1200
13717 S. Redwood Rd. in Riverton
Phone: (801) 260-7600 ext. 1700
9383 S. 700 E. in Sandy
Phone: (801) 260-7600 ext. 2000
74 West State Road 73 in Saratoga Springs
Phone: (801) 260-7600 ext. 2200
7160 S. Union Park Ave. in Midvale
Phone: (801) 260-7600 ext. 1400
1381 W. 9000 S. in West Jordan
Phone: (801) 260-7600 ext. 1300
3432 W. 3500 S. in West Valley City
Phone: (801) 260-7600 ext. 1600
3578 West 4700 South in West Valley City
Phone: (801) 260-7600 ext. 2100
358 South 700 East in Salt Lake City
Phone: (801) 260-7600 ext. 2300
11328 S. Jordan Gateway Rd in South Jordan
Phone: (801) 260-7600 
221 W. Parrish Lane in Centerville
Phone: (801) 260-7600 ext. 2701
3629 W. South Jordan Parkway in South Jordan
Phone: (801) 260-7600 ext. 2400
5027 W. 13400 S. in Herriman
Phone: (801) 260-7600 ext. 2600
2769 S. 5600 W. in West Valley
Phone: (801) 260-7600 ext. 2800
answered Aug 10, 2013 by Jefffrey
0 votes

You can also check our list of second chance banks at http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-open-a-second-chance-checking/ which provides some popular programs available at nationwide financial institutions. Most of these banks have no restrictions on their second chance or fresh start checking programs.

answered Aug 10, 2013 by BadCreditMD (2,730 points)
edited Aug 19, 2014 by tomvargo706

Welcome to InfoAviator Q&A, where you can ask questions and receive answers from other members of the community.

To get help with a variety of financial issues please visit our main website at infoaviator.org.

InfoAviator Publishing is located at 6415 Keltonshire Rd, Parma, OH.
Phone: +1.4407899411

Email: tomvargo706@gmail.com