Second Chance Checking

Do you have some hiccups in your credit? Have you had account management problems that have prevented you from opening a checking account at another financial institution? Find your second chance at St. Louis Community.

Our Freedom Checking Account gives you access to all the conveniences of our checking accounts and other services without the heavy fees and expenses you’ll find at alternative financial outlets. This second-chance account comes with checks, a debit card and Direct Deposit capabilities. After 60 days of Direct Deposit and good standing, you may quality for Overdraft Privilege (link to options) up to $200. After six months in good standing, you may qualify to upgrade to a Value (Bronze), Preferred (Silver) or Interest (Gold) checking account.*

Welcome back to the financial mainstream. We’ll help get you there.

*Must open a regular savings account in addition to a Freedom Checking Account, once approved. A service fee of $1 per returned item will be charged to the account per month, in addition to an $18 returned-check fee. Account holders have limited access to certain services, including no ATM deposits. Longer check holds may apply within Reg. CC guidelines. In the event an ATM is “offline” and cannot communicate balances, member will not be able to withdraw funds. The Freedom Checking Account must be active and in good standing (less than 10 returned items) for six months in order to request an upgrade to a Bronze, Silver or Gold checking account. See Credit Union for complete details.

Sign up for a Freedom Checking Account