Second Chance Checking

Peoples Cash Solutions offers Second Chance Checking when you need a non ChexSystems or TeleCheck account through an FDIC insured bank, except in the case of reported fraudulent activity by another financial institution. Our Second Chance Checking account gives clients a fresh start with bad credit checking. Even with bad credit you can still have a checking account through our second chance bank. We help individuals get a 2nd chance checking account that uses no ChexSystems and no TeleCheck report, except to identify fraudulent activity by another financial institution. Let us serve your banking needs with a second chance bank account, as we’re one of only a few non TeleCheck and FDIC insured banks that will help you open a checking account today.

Non Chexsystems and No Telecheck Needed

Looking for a free list of non ChexSystems or no TeleCheck banks? Peoples Cash Solutions delivers clients Second Chance Checking if you’ve had trouble in the past with ChexSystems or TeleCheck. With no credit check required, you can have a no credit check checking account that can get you back to banking with a bad credit checking account. So forget about Check Systems and TeleCheck, and open a checking account today, through Second Chance Checking.

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How it Works

Here's How it Works

With a Peoples Cash Solutions Second Chance Checking Account^† you can easily add money to your checking account, pay your bills on line, access ATM’s worldwide, or simply shop and pay with your debit Mastercard that’s protected with Mastercard’s Zero Liability^* Coverage. Click on the links below to see how easy and convenient it is!

Add Money

Want to save up to several hundred dollars a year? Utilize Peoples Bank's direct deposit feature and have your employer electronically deposit your paycheck each pay period into your Second Chance Checking Account. You save time by not traveling to and from the bank, but also several hundred dollars per year in typical check cashing fees.

Prefer other means of depositing into your Second Chance Checking Account? You can also add money through Western Union, direct deposit, government deposits, money wires from any bank who provides the service, money transfers from other checking or savings accounts, or by mailing in money orders or your income check.

Pay Bills Online

Tired of the hassle of writing checks and mailing them to pay your bills? With Peoples Cash Solutions Second Chance Checking you can utilize Peoples Bank's online bill pay system and say goodbye to costly money order and check cashing fees.

You can manually pay your bills through our system or have a recurring bill setup that will automatically and electronically pay your bill each month. You save time by not running to and from bill pay locations and post offices. The best part-it’s free and secure!

To qualify, you must actively maintain and manage your Second Chance Checking Account for 30 consecutive days. Once you have done so, your checking account will be reviewed and Peoples Bank will let you know when you have been approved.

ATM's Worldwide

Want quick access to your money? It’s your money, shouldn’t you be able to access it quickly and conveniently? Visit one of more than a million ATM’s worldwide for instantaneous withdrawal or checking account inquiries.

Traveling and not sure where an ATM location is? Click here to find deposit locations and ATM locations near you whether you’re on the go or near your home.

Shop and Pay

Do you often find yourself without cash on hand? It’s no problem when you have a debit Mastercard from Peoples Bank. Use your debit card to shop at your favorite stores, fill up with gas, or even shop online. It’s safer than carrying cash and automatically pulls from your Second Chance Checking Account so you won’t pay interest fees associated with a credit card.

With Mastercard’s Zero Liability^* coverage, you are protected from fraudulent use, so you can feel secure knowing your funds are protected even if your card is stolen or lost.

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How to Deposit Funds

Learn more about our numerous ways to deposit your funds into your new account.

MasterCard SecureCode

Shop online securely. MasterCard® SecureCode™ gives you added security for your online purchases.

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Contact Us

^ This service is not a credit product and interest does not apply. Therefore, no credit check is performed to be eligible for the service. Peoples Bank Discretionary Overdraft Protection Program (“ODP”) will charge the account a $25.00 per-item fee for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. If you do not restore your overdrawn account to a positive balance within 30 days, your participation in the ODP program may be terminated. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

* $0 Liability Fraud Coverage applies only if: you exercise reasonable care against the loss or theft of your card; your account is open, in good standing; and you have not reported two or more incidents of unauthorized use in the preceding 12 months. You must notify us of the unauthorized transaction within 60 days of the date that the statement reflecting the transaction was mailed or made available to you. The protection does not apply to PIN-based transactions at a Peoples Bank branch, or to business and other non-personal cards and accounts. See our Account Disclosures & Regulations booklet for further details.

† The Second Chance Checking account offered on this website is the Five Star Checking account held at Peoples Bank.

∆ The approval process is subject to the US Patriot Act.

° Except where fraudulent activity has been reported.