Second chance checking accounts are designed to help out the people that might have had past credit problems. They give all the opportunity to do what many others already are doing, writing checks instead of wasting money on money orders to pay their bills. As well as offering most of the same features as the banks that in the past may have turned down these customers. Such as online bill pay, superb account access as well as great customer service.
Everyone runs into some financial hardships whether they forget to pay a bill on time or even forgot to write a transaction in their checkbook ledger. Many banks are now punishing individuals for some honest mistakes and are trying to take away privileges that should not be privileges. There are also banks that want to deal with real people that make real mistakes.
These are the banks that want everyone to be treated equal. They typically do not require a large deposit into the account in order to open it. They do not charge absurd amounts of money in fees. They know and understand that doing that would only be further punishing for mistakes. For the most part, the will charge the same fees as the big branches that look down upon the real person that might have had poor judgment in the past. The main goal of the second chance checking accounts is to treat the customer as a customer and forgive and forget. Giving many individuals the luxury of writing a check.