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Second Chance Checking Account

Have you ever been denied a checking or savings account due to bad credit or past problems with ChexSystems and TeleCheck? The Peoples Cash Solutions Second Chance Checking Account is the answer for you! Peoples Cash Solutions and Peoples Bank will open a real FDIC insured Second Chance Checking Account for you even if you have bad credit or have been reported to ChexSystems or TeleCheck in the past (except where fraudulent activity has been reported). A Second Chance Checking Account erases the inconvenience of not having a checking account and/or being forced to use fee-intensive alternatives.


Account Features

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Debit MasterCard

Set up direct deposit with your employer and avoid paying check cashing fees. Once you have enrolled in direct deposit, your employer will electronically deposit your paycheck into your fresh start bank account for you.


This allows you to withdraw your money at any ATM, or write checks for your payments and purchases. This process will also allow you to access your paycheck whenever you need it and avoid hunting for a check cashing vendor that will charge you a fee to cash it. If you choose not to enroll in direct deposit, you can simply mail or transfer funds to your checking account anytime and utilize your MasterCard debit card or checkbook. Your MasterCard debit card is covered by MasterCard Zero Liability* for fraudulent use and your Second Chance Checking Account is FDIC insured up to $250,000.

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Personal Checkbook

Safety, security, and proof of sanity, all in your pocket. With a Second Chance Checking Account, you can safely carry checks rather than a roll of cash in your pocket, keeping you safe and your friends from asking what you do for a living.


The benefits of a checking account are endless. From the safety of not carrying cash to having a canceled check as proof of payment, having a Second Chance Checking Account gives you options. How many times have you opened your wallet only to discover there’s no cash? Your personal checkbook is a convenient way to access and spend your money even when your spouse or kids have emptied your wallet.


Establishing credit can be difficult without a checking account. Whether it’s a house, car or other means of credit you hope to attain, a well-maintained checking account is essential to obtaining credit and overcoming bad credit.


Paying bills in person with cash is a hassle. The traffic to get to your location and the long lines are reason enough to use checks to pay your bills. With a checkbook you can pay your bills through the mail and take back your time.


Does it seem like your cash goes much faster than you want it to? Having a checking account and using checks can help you budget your money and stretch your payday further. A checking account allows you to record and see where your money goes after payday. These allow you to better budget your expenses and income, as well as have a proof of payment when you pay bills. Checks are also available with carbonless copies of the original check, making it even easier to know exactly where your money went.

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Online Bill Pay

Take advantage of our Free EZ Bill Pay and avoid paying those annoying bill payment vendor fees. It's easy! Just enroll at www.pbparis.com and sign up for our Internet banking.


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. Once approved, you may then schedule payments to be made to companies and individuals on a one-time or recurring basis by logging into Peoples Free EZ Bill Pay. Simply follow the instructions or contact customer service for assistance.

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Online Banking

Don’t keep dragging your feet waiting to sign up for online banking. With the security and convenience of Peoples Bank online banking, you will no longer be a prisoner of long lines waiting to pay your bills or check your balances.


While some customers may be concerned with the security of online banking, you can rest assured that online banking with Peoples Bank is a secure, less expensive, and easy way to do your banking. The secure online banking utilizes special encryptions, firewalls, and virus detection programs to keep your personal data safe.


The benefits you receive from online banking are endless. Online bill pay eliminates the hassle of searching for stamps or standing in line, while helping to assure that you pay your bills on time avoiding late fees. Online banking also gives you the ability to transfer funds quickly between accounts or simply check your checking account balance with the click of a mouse. Who wants to wait until the end of the month to view your statement? With online banking, you have 24-hour access to your statement right at your fingertips in which you can review your transaction history as well as search for particular transactions. Other benefits include the ability to reorder checks online as well as talk live to a customer service representative, should you have questions regarding your Second Chance Checking Account.


Take advantage of this time- and money-saving tool offered to you as a Peoples Cash Solutions customer today!

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Online Money Transfers

If you send money to family members or relatives on a regular basis, we have a free solution for you! You can avoid expensive money transfer vendors by taking advantage of this bank program.


Peoples Bank checking account holders have the option of obtaining a separate account or ATM card for other family members. Through Peoples Bank Internet Banking or Free EZ Bill Pay, account holders can easily transfer funds to these additional accounts without added expense. Transfers may be set up on a recurring basis.

Open and Print Application

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Still Have Questions? See what others have asked.

Can I apply for a Second Chance Checking Account even if I do not live in Texas? – Yes, Second Chance Checking Accounts are available to anyone inside the United States who is a U.S. citizen. We open Second Chance Checking Accounts nationwide every day.


How to Apply – Click Here to learn more about how to apply for Peoples Cash Solutions Second Chance Checking Account.


Is there a monthly maintenance fee? – Yes, a monthly fee of $4.95 will be imposed every statement cycle.


Does a Second Chance Checking Account come with a real checkbook? – Yes, you will receive a real checkbook with your own personal checks.


Does a Second Chance Checking Account come with a MasterCard debit card? – Yes, you will receive your own personal MasterCard debit card.


Can I apply for a joint Second Chance Checking Account? – Yes, you can apply for a joint checking account. You each will need to fill out an application and you both will have to supply all the required documents. Please identify your application as being a joint second chance checking application.


Need help getting started?

For help getting started please Click Here to go to the apply now steps OR go to the Contact Us page & submit a question for program questions & someone will respond via email soon.

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