If you have been turned down for one of the following reasons:

• Too many overdrafts
  
• Late deposits
  
• Miscalculation of the time that a check can clear
  
• Hoping a merchant would honor post dated checks
  
• Inability to keep the checkbook balanced or figure out your actual balance
  
• Listed on ChexSystems or have unpaid balances at a bank or other credit union
  
  We may have the solution for you: Second Chance Checking

If you want to enjoy the benefits and advantages of our electronic checking with free debit card, free internet banking , no monthly fees, no minimum balance required and a $1000 line of credit , then that will be your reward when you enroll and complete our Second Chance Checking program.

• You will need to complete and pass our checking account management course, workbook form, or online at www.blancetrack.org.
• A deposit of $35 is needed to open the Second Chance Checking account.
• Second Chance checking has a monthly fee of $15 whether you write checks in that month or not.
• Overdrafts will be returned and carry a charge of $35.
• Check printing costs will depend on the style you order (between $15-$20 per box of 150).
• After your printing costs are paid, there is no minimum balance requirement for your account.
• Second chance checking comes with free internet banking ( you can check your balance 24 hours a day for easy balancing) and free bill pay.
• If you go for 6 months without an overdraft, you may apply for an ATM card and be eligible for our Shared Branching network (6,700 branch offices across the US).
• If you go 1 year with no overdrafts, you will be switched to our electronic checking , as described above, with no monthly fees.