Take 2 Checking

Having Trouble Opening a Checking Account?

Close the curtain on the past and start the cameras rolling again with a Take 2 checking account from First Exchange Bank. As a community bank, we are dedicated to meeting the needs of everyone in the communities we serve. That’s why we are proud to offer this second chance checking option for our community members. If you’ve been reported to ChexSystems* and are having trouble opening a checking account at other financial institutions, we can help.

How do Second Chance Checking Accounts Work?​

Our Take 2 account is similar to a traditional checking account and includes access to all our online and mobile banking products, so you can monitor of your finances from anywhere. Once you’ve held a Take 2 account in good standing for 18 months, you’ll be eligible to upgrade to our firstEssential Checking Account.

Let us help you get rolling again with a second chance checking account​

Are you looking for a low-credit checking account? A fresh start with our Take 2 checking account is a great way to rebuild your banking relationships and get back on your financial feet. At First Exchange Bank, we’ve been helping West Virginians reach their financial goals since 1932.

To open a Take 2 low credit checking account with First Exchange Bank, visit one of our seven offices in White Hall, Mannington, Fairmont, Morgantown, Hundred, and Fairview. Our friendly employees are ready to provide excellent personal service and address all of your questions and concerns.

*Minimum $50 to open account. $8.95 monthly fee to maintain account. There is a $5 replacement fee for debit cards. Fraudulent activity reported to ChexSystems negates eligibility. Check writing prohibited, substantial fees will be imposed for any checks written from a Take 2 account. Account holders may be eligible for upgrade to a firstEssential Checking Account after maintaining a Take 2 Account for 18 consecutive months that meets good standing criteria. See Account Representative for details. Message and data rates may apply.