Online Banking

Second Chance Checking Accounts

If you’ve had trouble opening a bank account because of past financial mistakes, our Second Chance Checking Account was designed for you. We give you the chance to rebuild your financial reputation, with most of the same perks as our regular Checking Accounts, provided you keep your account in good standing:

  • No monthly account maintenance fees
  • Includes Debit card with ATM access*
  • Includes Direct Deposit
  • Courtesy Pay Overdraft Protection available after 30 days
  • One free box of checks when you open the account
  • No sign up fee
  • No monthly checking account fees
  • Unlimited check writing with no per-check transaction fees
  • Free access to Online Banking, Mobile Banking, and Online Bill Pay
  • Your total savings are federally insured by the NCUA, up to $250,000

Speak to a Member Service representative today about Second Chance Checking Accounts. Or call (513) 523-8888 for more information.

*Certain restrictions apply. Applicant must provide a written explanation of prior checking account difficulties in order to open any Second Chance Checking account. A ChexSystems® report will be pulled; your prior caused losses and/or unpaid balances must total $300 or less. If there is no account abuse after 60 days, a Debit card will be issued with management approval. Direct Deposit is required in order to open a Second Chance Checking account. Accounts are subject to management review and approval. You must keep your account in good standing and free from overdrafts for 30 days in order to qualify for Courtesy Pay Overdraft Protection. Accounts or services may be closed if management deems excessive overdrafts or account abuse. Debit card service is subject to a $1.50 per month fee. Member is responsible for purchasing checking supplies, as well as any monthly ATM/debit card fee and fees associated with payments made against overdrafted accounts. All credit union accounts are subject to the Membership and Account Agreement and Funds Availability Policy.

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Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Certain restrictions may apply to the products and services described above. Contact the credit union for details. MUCFCU is not an entity of Miami University.