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About Second Chance Checking Programs Approximately 85% of banks use Chexsystems when you apply for a new checking account. Banks offering Second Chance Checking Programs for people who have overdrawn a bank account in the past are different from banks that do not use Chexsystems at all. The banks on the list of No Chexsystems Banks do not use Chexsystems or check your credit. So, you can open a checking account online and get an instant account number to set up direct deposit, or sometimes use a credit card or prepaid card. Banks with Second Chance Checking Accounts Online No Credit Check. http://checkinghelp.com/

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