Memory Builder Checking Account

Second Chance Checking Account

Life Happens.  You Deserve a Second Chance to Rebuild You Banking Privileges.

Our second chance checking account gives you the opportunity to help rebuild your banking privileges and is specially designed for customers who have been unable to open a checking account due to their prior banking history. You’ll enjoy all the branchless banking benefits of MemoryBank, including easy access to your funds with over 85,000 surcharge-free ATMS** and the peace of mind that comes with knowing we’re a Member of FDIC, with the highest possible A+ rating from the Better Business Bureau. All this for a monthly fee that’s as low as $6.95^^^. 

Disclaimer: This is not an interest bearing account.  Overdraft protection is not available with this account.

Rebuild Your Banking Privileges With The Account Upgrade Benefit.

Best of all, you may request an upgrade to the EarnMore interest checking account after having your Memory Builder second chance checking account open for at least a one year. With the EarnMore interest checking account, you’ll continue to receive all the great benefits you love without a monthly fee and the opportunity to earn up to 1.60% APY† on your balances†!

Disclaimer: Account must be positive on the day the request to upgrade is submitted.

^^^The second chance checking account has an $8.95 monthly fee that can be reduced to $6.95 per month if you get your statements online and meet one of these simple requirements each monthly statement cycle1:

Use your debit card for at least 15 in-person or online purchases3
(ATM transactions not included, transactions must post and settle during statement cycle and appear on your statement to qualify).


Receive at least one electronic deposit2 such as payroll or transfers from other financial institutions.

Ready to rebuild your banking privileges?


Open MemoryBuilder Account Now


Other things you get with your Products:

  • Access to over 85,000 surcharge-free ATMs** with your MemoryBank MasterCard® debit card.
  • 24/7 access to online and mobile banking‡
  • MemoryAlert  balance and activity notifications, configured when and how you want them.
  • Live customer support through online chat, phone and email.
  • Learn more about all of the benefits of Online Only Banking with MemoryBank.
  • Free Mobile Deposit5

For more information about fees, terms and conditions review the MemoryBank and Memory Builder Second Chance Checking account disclosures here.


1 New monthly statement cycles begin on the 15th of each month.

2 Electronic deposit is defined as an ACH credit transaction.

3 Does not include transactions conducted through an ATM.

4 Full description of fees that may apply to this account can be found in the disclosures.

5 Message and date rates may apply from your wireless carrier. Usage and qualification requirements apply for Mobile Deposit