On their face, second chance checking accounts aren't as appealing as standard accounts, thanks to their limitations. However, second chance accounts are good products for those who need them, and they have most of the same functions as standard checking accounts, such as offering debit cards and allowing you to make purchases, transfers and withdrawals. Some also include check writing abilities. The difference is that second chance checking accounts tend to offer those services at a lower capacity. This means you'll likely be more limited in the number of transfers you can make or the amount you can withdraw in a day.