If you have adverse records with banks or credit unions, it may make difficult for you to qualify for any checking accounts again. So, you have to use a special type of financial service called 2nd chance banking. Here is a simple review of those good banks and credit unions offering such special service in VA.
Healthcare Systems Federal Credit Union offers 2nd chance checking accounts with service fee of $10 per month. After 12 months of successfully management of the checking account, users will be eligible for a regular Share Draft account of this credit union. It has branch offices in Falls Church, Fairfax, Manassas, Alexandria, Fairfax, Leesburg, Fredericksburg, Woodbridge and Stafford, VA.
CommonWealth One offers second Chance Checking accounts to those members who have been turned down for new checking accounts in the past and need a fresh start to rebuild their history of credit. Its monthly service fee is $10. And it will require an opening deposit of $100. The credit union has branch offices in Alexandria and Harrisonburg, VA
Western Federal Credit Union has branches in Chantilly, McLean and Fairfax, VA. So, you can access one of these branches to see if you are eligible to join the credit union and apply for its Right Start Checking account. The account is designed with an initial deposit of $25 and monthly service fee of $15. It is a good chance for you to build a history of positive banking.
Partners 1st Federal Credit Union‘s Fresh Start Checking comes with monthly service fee of only $8. The credit union has branches in Winchester, Shenandoah, Herndon, Luray, Orange, Gordonsville and Stanley, VA.