Where Can I Find A Second Chance Checking In Missouri?

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I need to locate a second chance checking account in Missouri. Please Help. Thanks!
asked Aug 17, 2013 in Personal Finance by Connie

5 Answers

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Vantage Credit Union in Missouri created Fresh Start Checking and will be able to give you that second chance at a checking account. 
To be eligible you must be 25 years of age or older. One your account is opened you will get free online banking with free Bill Pay, a Visa check card and
unlimited check clearings and you can apply for overdraft protection. There is no minimum balance to hold in your account.
There are some restrictions to this type of account such as no courtesy pay overdraft service, no ATM deposits, deposits limited to Direct Deposit/ACH, cash, and account transfers only.
There is also a $12/month standard monthly service charge, $11/month if you have Direct Deposit, an ACH debit OR a monthly auto transfer to savings of at least $25.00, $10/month if you have Direct Deposit, an ACH debit AND a monthly auto transfer to savings of at least $25.00.
You will be eligible to request a move into Basic Checking after 12 months of active use as long as there are no more than 6 NSF overdrafts in a 12-month period, and NO NSF overdrafts in the 3 months prior to eligibility.
They have the following branch locations in Missouri:
11915 St Charles Rock Rd Bridgeton, MO 63044
1077 Cave Springs Blvd. St. Peters, MO 63376-6432
601 Greenway Chase Florissant, MO 63031
29 O'Fallon Square O'Fallon, MO 63366
9200 Olive Blvd. Olivette, MO 63132
4545 Lemay Ferry Road St. Louis, MO 63129
3860 S. Lindbergh Blvd. Sunset Hills, MO 63127
1330 YMCA Dr. Festus, MO 63028
1033 Armory Rd Warrenton, MO 63383
1750 Wentzville Parkway Wentzville, MO 63385
16260 Truman Blvd. Ellisville, MO 63011
11654 West Florissant Florissant, MO 63033
Main phone number: 314.298.0055
answered Aug 17, 2013 by Phil C
0 votes
National Bank Of Kansas City offers a Fresh Start Checking program if you had a difficult experience at other banks.
To open this second chance checking you will need a $50 deposit and have to pay a small monthly fee of $10.
However you will get a free ATM/debit card with unlimited check writing, there is no minimum balance requirement, 
and it comes with free internet banking and online bill pay.
They have the following locations in Missouri:
2380 Vintage Ct
Excelsior Springs, MO 64024
Main: (816) 630-0014
350 SW Blue Parkway
Lee's Summit, MO 64063
Main:    (816) 554-2228
9750 N Ash Ave
Kansas City, MO 64157
Main:    (816) 407-0300
Toll-Free:    (866) 250-4263
2443 NW Prairie View Rd
Platte City, MO 64079
Main:    (816) 858-2482
Toll-Free:    (866) 284-3928
answered Aug 18, 2013 by Kyle
0 votes
First Federal Bank in Missouri has a Start Fresh Checking program if you have been turned down for a checking account in the past because of a ChexSystems record. You will need a low $25 Opening Deposit and will be required to pay a monthly fee of $9.95, or $7.95 with Direct Deposit. There is no minimum balance requirement and you will have unlimited check writing along with unlimited transactions with no "per-item" fees. It also has a free VISA debit card.
They have the following locations in Missouri:
1200 Armour Road
North Kansas City, MO 64116
Phone: (816) 221-6985
4227 Blue Ridge Blvd.
Kansas City, MO 64133
Phone: (816) 356-2172
9330 E. Gregory Blvd.
Raytown, MO 64133
Phone: (816) 356-6400
8308 NW Prairie View Road
Kansas City, MO 64151
Phone: (816) 741-9000
3500 Noland Road
Independence, MO 64055
Phone: (816) 254-2225
1255 SE Oldham Parkway
(50 Hwy & Todd George Road)
Lee's Summit, MO 64081
Phone: (816) 524-3333
answered Aug 18, 2013 by Franklin C
0 votes
Focus Bank in Missouri offers a checking account called "Fresh Start Checking" that is designed for people that had banking challenges in the past. The accounts requires a $50 opening deposit with no minimum balance requirement once the account is opened. They charge a $7.95 monthly fee which can be lowered to $5.95 if you enroll for eStatements. Direct deposit is available and you can purchase checks.
They have the following locations in Missouri:
101 S Main St
PO Box 99
Charleston, MO 63834
Phone (573) 683-3712
323 Ward Ave
PO Box 110
Caruthersville, MO 63830
Phone (573) 333-2240
4950 S Highway 105
PO Box 220
East Prairie, MO 63845
Phone (573) 649-3581
410 Main Street
Hornersville, MO 63855
Phone (573) 737-2488
answered Aug 18, 2013 by Mary Beth
0 votes

See more second chance checking accounts in Missouri that was researched by InfoAviator at http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-open-a-second-chance-checking/

answered Aug 19, 2014 by tomvargo706 (5,290 points)

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