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Get a Fresh Start and Rebuild Your Banking History
Our credit union Second Chance Checking is designed for those who have faced financial challenges in the past. It offers many features of traditional checking accounts, including online and mobile banking access and timely alerts to help you manage your account.
A Second Chance Checking Account gives you access to essential banking services and the opportunity to improve your banking history. With features like a debit card, online and mobile banking, and access to ATMs, it offers an easy and convenient way to manage your finances. And since there is NO minimum deposit requirement, you DO NOT need to maintain a monthly balance.
It is possible to turn things around with Second Chance Checking from San Francisco FCU. Open an account today to get started!
Get a Fresh Start With These Benefits
No Minimum Deposit Required
There’s no need to save to open an account. You can get started right away!
No Monthly Maintenance Fee
Keep more of your hard-earned money with a checking account that works for you, not against you.
No Minimum Monthly Balance
There’s no pressure to maintain a certain amount in your account each month.
ATM/Debit Card Provided
Conveniently make purchases or get cash when you need it from our network of 30,000 surcharge-free ATMs.
Additional Features of Second Chance Checking Accounts
Complimentary Overdraft Protection
Arrange to have funds automatically transferred from a savings account to cover overdrafts at no cost.
Online & Mobile Banking
Manage your account online or on the go with your mobile device.
Member Discounts
Members can earn rewards for travel, entertainment, and other things.
NCUA Insured
Accounts are insured by the National Credit Union Administration for up to $250,000.
Path to Mainstream Banking
Upgrade to a standard checking account after demonstrating responsible account management over time.
Local Support
Receive personalized service from a local credit union that is dedicated to serving its members.
Open Your Second Chance Checking Account in 3 Easy Steps!
Check Your Eligibility.
Verify that you qualify for membership with San Francisco FCU.
Apply for Membership
Apply online or in person. Select Second Chance Checking and then review your application before submitting it.
Fund Your Account
Once your membership is approved and your account is open, add funds to start rebuilding your finances.
Why Choose San Francisco FCU?
At San Francisco Federal Credit Union, we offer small-town friendliness and service right here in the city. Our top priority is providing personalized service to each of our members.
Whether you need a checking account, mortgage, vehicle loan, credit card, or something else, we’re always here to support you. Become a member today to experience banking with a personal touch.
Member Reviews
Second Chance Checking FAQ
Related San Francisco FCU Products
Basic Checking Account
HSA Checking Account
Save for future medical expenses with tax-deductible contributions. Withdrawals for qualified expenses are also tax-free.
Certificate Account
How Can We Support You?
We love hearing from you. Reach out to us online or visit one of our convenient branches in the Bay Area.