Rebuild your banking history with SECOND CHANCE CHECKING.

Ready for a do-over?

If you have a low ChexSystems score, Second Chance Checking is a great way to re-establish your banking status and build up your score. And unlike prepaid debit cards and check cashing services, 5Point's Second Chance Checking has no costly transaction fees or balance requirements.



 

Check out all that Second Chance Checking has to offer!

  • Rebuild your banking history
  • No minimum balance or transaction fees
  • Access our convenient online banking services
  • Mobile app and debit card

Best of all, you can request an account review after 12 months. If approved you can move into another 5Point checking account such as Absolutely Free, Plus, 50+, or Rewards.
This is an account for those who may not qualify for a regular checking account.
There are no minimum balance requirements.
A $10 monthly service fee is assessed at the end of the month.
This account is not eligible for dividends.
This account is not eligible for Courtesy Pay.
This account is eligible for overdraft transfers. The automatic transfer fee is $5.00 per transfer. Must speak to a team member to enroll.
Statements are generated monthly.
This account is not eligible for an additional share draft and is not eligible to be a joint on a minor's checking account.
  • Free online banking and mobile app
  • Free bill pay service
  • Free eStatements
  • Free Visa check card
  • Access to 5,000+ co-op locations
SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY