Get Your Second Chance Checking Account Today

Need a fresh start and live in Connecticut? Rebuild your credit and get your finances back on track with a Second Chance Checking Account.

Apply Now

Get A Fresh Start with A Second Chance Checking Account

Whether you have a financial history that is less than ideal or experienced a sudden event that impacted your financial health, get ready for your second chance! Finex Credit Union is here to help you get back on track.

Open your Second Chance Checking Account online today:

Wherever You Are

Access Your Checking Account With Mobile Banking

Manage your Finex Credit Union accounts and enjoy advanced features that help you keep your finances on track from the palm of your hand! 
Apply Now
Get Ready For Success

Your Second Chance Checking Account Is Full Of Perks!

At Finex Credit Union we do not let your past financial mistakes hold you back. We are here to help you get your finances on the right track. Sign up for our Second Chance Checking Account.

  • No Minimum Balance
  • Low Monthly Fee1
  • Get Paid One Day Early2
  • Free Debit Card
Apply Now

Credit Monitoring

Receive quarterly updates on your credit score so you can stay on top of your finances!

ID Theft Protection

Defend yourself against fraud with 24/7 Identity Theft support services and fraud monitoring.

Bank Wherever You Are

Go to local branches, use network of shared branches, or access your accounts through our Mobile App.

1 MONTHLY FEE *A small monthly service fee of $15. FREE DEBIT CARD *$200.00 day maximum for all atm/debit transactions.
This account was previously titled; Re-Start Checking.
2 Early access to direct deposit funds depends on the timing of the submission of the payment file from the employer.

Account available for any Finex Credit Union member who has one occurrence on Chex Systems for an amount equal to or less than $500 with the occurrence taking place more than 12 months from new account opening.
Direct deposit is required to open the account.

No Wallet, No Worries

Add Your Cards to Your Mobile Wallet

Shop safely and securely without ever reaching for your purse or pocket. Add your cards to a digital wallet and make purchases anywhere contactless payments are accepted.
  • Fast

    Stop digging for your debit card from your pocket, purse, or wallet and pay faster from your phone or smartwatch.
  • Secure

    No card information is stored on your phone, and your card number is not sent to merchants.

Apple Pay

Use Apple Pay on your iPhone, iPad, Apple Watch, or Mac to simplify your payments while paying on the go.

Add Your Card to Apple Pay

Google Pay

Use any digital wallet with Google Pay to add your card to an Android phone and start doing more with your money.
Add Your Card to Google Pay

Contactless Payments

Simply hold your phone or watch near the card reader at any merchant where you see the contactless symbol.

View Contactless Symbol
Roadmap to Building Credit eBook Cover - small
Download Your Free Guide

How Do I Rebuild My Credit Score?

Let's start rebuilding your credit together! We are here to help with our Roadmap to Building Credit. Get your free guide today for tips on:
  • How to Rebuild Creditworthiness
  • When A Second Chance Checking Account Can Help
  • And So Much More!

What our members are saying...

"Great bank so far I signed up with them through my employer and they gave me a second chance ! Everyone from the virtual tellers to the actual people at the burnside ave location are beyond wonderful :)"
Chelsea G.
"Amazing financial institution I started membership via a second chance checking account . They have helped me with all of my financial goals and have laid a solid foundation for my lending needs...I cannot say anything else but if you are in need of family style banking feel free too join and enjoy the perks of being a member"
Conrad D.
"The Finex team was great. I cannot thank them enough for their awesome customer service. Gave me an experience second to none. Monica was more than accommodating! Give her a raise!"
Antoine L.
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Your Checking Account Questions, Answered

Frequently Asked Questions

How can I get paid early?

By setting up for direct deposit through any of our checking accounts you can receive the deposit early.

One thing to keep in mind is that early direct deposits depend on timing. Your payer must provide payment details on time so the deposit can process early. If your deposit doesn't arrive to us early, expect it to arrive on your scheduled payday.

What if I have had credit issues in the past? Can I still open an account?

If you've had an unfortunate experience with a checking account in the past, we may be able to help.

Learn more about our Second Chance Checking Account here.

Do I have to be close to a Finex branch to bank with you?

Although we have convenient locations available for service, you can use one of over 55,000 surcharge-free AllPoint Network ATMs and over 5,000 credit union shared branches nationwide as a member of Finex CU.

You can make deposits and withdrawals free of charge when you’re our member. Finex also has a variety of Mobile Banking functions, so we really can be wherever you are.