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Best Second Chance Checking Account in Connecticut

Helping You Wherever You Are In Your Financial Journey.

We Believe in Second Chances.

Whether you have had financial mistakes in the past or have had a sudden life-altering event that impacted your financial health,

we are here to provide you with the best second chance checking option.*

A Second Chance Checking Account With Us Gives You:

5,400 Shared Branches Nationwide
55,000 Free ATMs Worldwide
Fraud Monitoring 24/7

Get Paid One Day Early.

Get access to your money sooner by setting up direct deposit with your second chance checking account. 

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Great Value Account.

Sign up for our Second chance checking account with no minimum balance, low monthly fee and get a free debit card.*

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Bank Wherever You Are.

With our online banking and mobile banking features with all accounts, we make it convenient for you to take care of your banking needs.

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Credit Trends

with the Finex Mobile App

Monitor your credit score with our mobile app. Our Credit Trends tool allows you to check how your credit is performing over time so you can make the best financial decisions and get back on track with your finances.


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second chance checking cover

Want Help? Download the FREE Guide: "Roadmap to Building Credit"

This guide includes:

  1. How to Start Building Credit
  2. How to Rebuild Creditworthiness
  3. When A Second Chance Checking Account Can Help
  4. And So Much More!

My Money Manager

with the Finex Online Banking

Manage your spending and make budgeting easy with our My Money Manager Tool available with online banking.


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Open Your Second Chance Checking Account Today!


Become A Member

There are so many reasons! One of the most important being that we’re with you wherever you are, offering the highest quality products and services.

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Why Us?

Whether across the street or across the country, just starting out or starting to think retirement, Finex is wherever you are. 

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Location and Hours

Looking to visit us? Check out our locations and hours. Our team available provides the full-service financial solutions you need.

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Powerful Banking Experience


Manage all of your Finex accounts from the palm of your hand for FREE with our Finex Mobile App. Simply download the app to your iPhone, iPad or Android. Even if you don’t have a mobile device, you can use your phone to visit finexcu.org and log in. So, wherever you are in your busy day, Finex is right there with you whenever you need us. Banking at your fingertips!




Credit Trends


Bill Pay


Lock/Unlock Misplaced Debit Card


Apply for a Loan


eAlerts and eStatements


ATM Locator


Snapshot Preview

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What Our Members Say About Us

 I can honestly say this was one of the best decisions I’ve made. The service here is nothing short of spectacular. The staff here are attentive, caring, and most importantly, EFFICIENT! They were simply amazing!
Keisha M.
August 26, 2022
I bank with three separate credit unions but the way they treat you here, is just like you are family. 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. Hands down best small bank where you feel apart of !!!! 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.
April 28, 2022
It was an amazing experience as Samantha had great customer service and made the process of opening a bank account quick and easy and was very kind and helping!
Alfredo S.
April 28, 2022


Frequently Asked Questions About Checking Accounts


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 Restart 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.

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More Resources

Account available for any Finex 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.

FREE DEBIT CARD *$200.00 day maximum for all atm/debit transactions.  This account was previously titled; Re-Start Checking. Direct Deposit is required.

MONTHLY FEE *A small monthly service fee of $15