Online financial institutions like Chime and Varo don’t use ChexSystems reports when determining whether to approve you for a new account. Although most banks do use ChexSystems to check your banking history, you can still apply for second chance checking accounts and have a higher approval rate than you would for a standard checking account. Here are a few examples of popular second chance checking accounts: BBVA Easy Checking Account Wells Fargo Clear Access Banking Radius Bank Essential Checking U.S. Bank Safe Debit Account Chime Checking Account GoBank (by Green Dot Bank) Varo Bank Account