Non Chexsystems Banks In Iowa Offering 2nd Chance Checking Accounts

0 votes
If your finding it difficult to open up a new checking account in Iowa because of a unfortunate incident with a previous bank that caused your former financial institution to negatively mark your chexsystems report, then myself and our viewers may be able to help.

Below you will find some great answers on which banks and credit union in Iowa that are will to open up a 2nd chance checking account. Some of these financial institutions are non-chexsystems and other choose to overlook negative chexsystems marks.

You can also find a list of major nationwide banks listed on our main site at along with more information on removing negative marks listed on the chexsystems.
asked Aug 31, 2014 in Personal Finance by tomvargo706 (5,290 points)

4 Answers

0 votes

Greater Iowa Credit Union offers second chance checking accounts for those  urned down for accounts at other financial institutions because of their chexsystems report.

Here are the account features:

  • No minimum balance
  • No minimum deposit to open
  • All transactions are unlimited
  • No monthly service charge

Iowa branch locations:

2623 Northridge Pkwy
Ames, IA
(515) 232-6310

110 Airport Rd
Ames, IA
(515) 232-6310

801 Lincoln Way
Ames, IA
(515) 232-6310

600 E 30th St
Des Moines, IA
(515) 262-1396

1630 22nd St
West Des Moines, IA
(515) 225-1809

230 N 7th St, Denison, IA 51442
(712) 263-2220


answered Aug 31, 2014 by tomvargo706 (5,290 points)
edited Aug 31, 2014 by tomvargo706
0 votes

Federation Bank with branches in Iowa also offers second chacne checking accounts. I applicant must have $250 to open with a $6 monthly service fee. To qualify with a bad chexsystems report, the consumer must bring in copies of the checks they wrote that were returned to them in their monthly statement at their former bank.

Federation Bank Branch Locations:
107 Richland Street                                  
P O Box 317                                                                                       
Richland, Iowa 52585-0317                                                               
Phone: (319) 456-2265      
813 3rd Street                                           
PO Box 69                                                            
Wellman, Iowa 52356-0069                                                             
Phone: (319) 646-2850    
122 East Washington Street                        
PO Box 100                                               
Brighton, Iowa 52540-0100                        
Phone: (319) 694-2821     
102 East Main Street                                                                
PO Box 529                                                                       
Washington, Iowa 52353-0529                               
Phone: (319) 653-7256 
answered Aug 31, 2014 by tomvargo706 (5,290 points)
0 votes

North Iowa Community Credit Union offers a Fresh Start Debit Account for people that have had problems in the past getting a new checking account due to credit problems.

This special account comes with the following:

  • Free ATM usage within the Privileged Status ATM Network
  • Free Money Card ATM/debit card access 
  • Free eStatements, online banking, and custom account alerts by e-mail

North Iowa Community Credit Union is located at 640 S. Federal Ave - Mason City, Iowa 50401 and more information on their Fresh Start Debit Account program can be found at


answered Aug 31, 2014 by tomvargo706 (5,290 points)
0 votes
Collins Community Credit Union also offers a profram for those with poor chexsystems reports. There is a minimim of $50 dollars to open the account but there is no required minimun balance to maintain. The account comes with a free visa debit card, free online banking, free telephone and mobile banking. The monthly service charge for this account is $9.95 and a $2.00 discount will apply with monthly direct payroll deposit enrollment.

Collins Community Credit Union branch locations:

20 Wilson Ave. SW Cedar Rapids IA 52404
3160 Wiley Blvd SW Cedar Rapids IA 52404
601 Highway 6 West Room 3W08 Iowa City IA 52246
1655 Jordan Street North Liberty IA 52317
3680 Hwy 151 Marion IA 52302
1843 Johnson Ave NW Cedar Rapids IA 52405
2524 Post St. Des Moines IA 50310
210 Walnut St. Ste. 132 Des Moines IA 50309
226 Brandilynn Blvd. Suite C Cedar Falls IA 50613
5761 C Street Southwest Suite H Cedar Rapids IA 52404
1150 42nd St NE Cedar Rapids IA 52402
855 35th St. NE (Inside Rockwell Facility) Cedar Rapids IA 52402
1755 1st Ave SE Cedar Rapids IA 52402

answered Aug 31, 2014 by tomvargo706 (5,290 points)

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