CHECKING

Second Chance Checking Account

Get a fresh start with our second chance checking account1 if you were denied a checking account in the past or have blemished credit.

Second Chance Checking

Benefits that our checking account offers you

  • 24/7 account access: Make transfers, pay bills, find one of our 80,000+ surcharge-free ATM locations,2 and more!
  • Debit card designs3: Choose the GECU Empowerment debit card or support our partner teams with the El Paso Chihuahuas debit card or El Paso Locomotive FC debit card.
  • Low monthly service fee: Only $15 a month! Plus, only $15 to open a second chance checking account and no daily balance requirements to keep your account open.
  • Be rewarded: After six consecutive months of good cash management, your account will automatically convert to a GECU Personal Checking account.
  • Account alerts4: Set up custom account and card alerts to stay on top of your money while we work to protect you from fraud.


Open a GECU Second Chance Checking account by calling 1.800.772.4328.
We’re Here to Answer Your Second Chance Checking Questions
  • Does my GECU Second Chance Checking account automatically convert to a GECU Personal Checking account?
    Yes, your second chance checking account will automatically convert to a personal checking account if all eligibility requirements are met after six consecutive months of good cash management. 
 Membership eligibility is required.
1Must have a GECU share account to open a checking account. A one-time deposit of $10 in a GECU share account is all it takes.
2Transaction fees may be charged by owner of non-GECU ATMs.
3Debit card is available with checking accounts. Fee may apply to special card designs.
4Standard text-messaging and data rates may apply through the wireless carrier.
5Service fees do apply for GECU Second Chance Checking accounts.
6Check deposits are subject to the funds availability policy. Not available for GECU Second Chance Checking accounts.
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