{"id":1968,"date":"2025-09-25T09:49:45","date_gmt":"2025-09-25T13:49:45","guid":{"rendered":"https:\/\/www.etax.com\/blog\/?p=1968"},"modified":"2025-12-08T18:01:41","modified_gmt":"2025-12-08T23:01:41","slug":"irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account","status":"publish","type":"post","link":"https:\/\/www.etax.com\/blog\/2025\/09\/25\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\/","title":{"rendered":"IRS Ending Paper Checks: How to Get Your Tax Refund Faster Without a Traditional Bank Account"},"content":{"rendered":"<p>The IRS is modernizing its payment system, and that means one big change for taxpayers: the end of <a href=\"https:\/\/www.etax.com\/blog\/2025\/11\/03\/irs-is-phasing-out-paper-checks-what-this-means-for-your-2025-tax-refund\/\">paper checks<\/a> for tax refunds and other payments. To get your money quickly and securely, you&#8217;ll now need to use direct deposit.<\/p>\n<p>But what if you don&#8217;t have a bank account? Or if past banking issues have made it difficult to open one?<\/p>\n<p>Don&#8217;t worry. You have excellent, low-cost options to ensure you get your refund without delay. This guide will walk you through the best solutions in addition to Prepaid Debit cards, including accounts you can open online today.<\/p>\n<h2><b>Why Direct Deposit is the Best Way to Get Your Tax Refund<\/b><\/h2>\n<p>Before diving into the solutions, it\u2019s important to understand why the IRS is pushing for direct deposit. For taxpayers, the benefits are clear:<\/p>\n<ul>\n<li><b>Speed:<\/b> Direct deposit is the fastest way to get your refund. Your money is in your account in a fraction of the time it takes for a check to be printed, mailed, and delivered.<\/li>\n<li><b>Security:<\/b> There&#8217;s no risk of a paper check being being lost, stolen, or delayed in the mail. Your funds are transferred electronically and securely into your account.<\/li>\n<li><b>Convenience:<\/b> Once you set it up, your refund arrives automatically. No extra trips to the bank to deposit a check.<\/li>\n<\/ul>\n<h2>Solution 1: Open a Bank On Certified Account Online<\/h2>\n<p>If you&#8217;re looking for a safe, affordable, and easy-to-open option, a <b>Bank On certified account<\/b> is your best choice. These accounts are offered by banks and credit unions and are designed to be accessible to everyone.<\/p>\n<p>Key features typically include:<\/p>\n<ul>\n<li>Low or no monthly fees<\/li>\n<li>No overdraft or non-sufficient fund (NSF) fees<\/li>\n<li>FDIC (or NCUA) insurance, meaning your money is protected<\/li>\n<li>Full online access to open and manage your account<\/li>\n<\/ul>\n<h3>Nationally Available Bank On Certified Accounts You Can Open Online:<\/h3>\n<p><i>(This list is sourced from the <a class=\"ng-star-inserted\" href=\"https:\/\/bankon.wpenginepowered.com\/wp-content\/uploads\/2022\/08\/Bank-On-National-Account-Standards-2023-2024.pdf\" target=\"_blank\" rel=\"noopener\">Bank On platform<\/a> to ensure certification and accessibility)<\/i><\/p>\n<ul>\n<li><a href=\"https:\/\/www.1stnb.com\/open-account\" target=\"_blank\" rel=\"noopener\">First National Bank Texas, eAccount<\/a> &#8211;\u00a0<em>for Arizona, Arkansas, New Mexico, and Texas residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.ccfinancial.com\/checking\" target=\"_blank\" rel=\"noopener\">Cornerstone Community Financial Credit Union, Fresh Start Checking<\/a> &#8211;\u00a0<em>for residents of Michigan, and Ohio residents in Fulton, Henry, Lucas, Ottawa, Sandusky and Wood Counties<\/em><\/li>\n<li><a href=\"https:\/\/www.vccuonline.net\/Save-Spend\/Checking-Accounts\/Simply-Checking-Accounts\" target=\"_blank\" rel=\"noopener\">Ventura County Credit Union, Simply Essential Checking<\/a> &#8211;\u00a0<em>for residents of Ventura and Santa Barbara Counties (CA)<\/em><\/li>\n<li><a href=\"https:\/\/www.bankatfirst.com\/personal\/bank\/checking\/compare.html\" target=\"_blank\" rel=\"noopener\">First Financial Bank, NoWorry Checking<\/a> &#8211;\u00a0<em>for residents of Illinois, Indiana, Kentucky, and Ohio only<\/em><\/li>\n<li><a href=\"https:\/\/www.firstseacoastbank.com\/squareone\" target=\"_blank\" rel=\"noopener\">First Seacoast Bank, SquareONE<\/a> &#8211;\u00a0<em>for Seacoast of New Hampshire and Southern Maine residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.mercbank.com\/personal-banking\/financial-wellness\/?utm_source=cfefund&amp;utm_medium=website&amp;utm_campaign=BankOn#Fresh\" target=\"_blank\" rel=\"noopener\">Mercantile Bank, MercStart Fresh Account<\/a> &#8211;\u00a0<em>For Michigan residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.chase.com\/personal\/secure-banking\" target=\"_blank\" rel=\"noopener\">Chase, Secure Banking Account<\/a><\/li>\n<li><a href=\"https:\/\/shorelinecu.org\/checking-savings\/checking-accounts\/\" target=\"_blank\" rel=\"noopener\">Shoreline Credit Union, Worry-Free Hometown Checking Account<\/a> &#8211;\u00a0<em>membership is restricted to those who live or work in Brown, Outagamie, Winnebago, Door, Calumet, Fond du Lac, Kewaunee, Manitowoc, and Sheboygan counties (WI)<\/em><\/li>\n<li><a href=\"https:\/\/peoplefirst.com\/bank\/spend\/checking\/\" target=\"_blank\" rel=\"noopener\">People First Federal Credit Union, First Step Account<\/a> &#8211;\u00a0<em>membership open to those who live, work, worship, or attend school in Carbon, Lehigh or Northampton Counties (Pennsylvania) or Warren County (New Jersey)<\/em><\/li>\n<li><a href=\"https:\/\/www.bmoharris.com\/main\/personal\/checking-accounts\/smart-money\/\" target=\"_blank\" rel=\"noopener\">BMO Harris, Smart Money&#x2122; Account<\/a><\/li>\n<li><a href=\"https:\/\/www.wellsfargo.com\/checking\/clear-access-banking\/\" target=\"_blank\" rel=\"noopener\">Wells Fargo, Clear Access Banking<\/a><\/li>\n<li><a href=\"https:\/\/www.uwcu.org\/checking\/personal-accounts\/clear\/\" target=\"_blank\" rel=\"noopener\">UW Credit Union, Clear Account<\/a><\/li>\n<li><a href=\"https:\/\/www.pnc.com\/smartaccess\" target=\"_blank\" rel=\"noopener\">PNC Bank, SmartAccess Account<\/a><\/li>\n<li><a href=\"https:\/\/www.independent-bank.com\/personal\/personal-checking\/introchecking.html\" target=\"_blank\" rel=\"noopener\">Independent Bank, IntroChecking Account <\/a>&#8211;\u00a0<em>for Texas and Colorado residents only<\/em><\/li>\n<li><a href=\"https:\/\/fpcu.org\/ezcard\" target=\"_blank\" rel=\"noopener\">Financial Partners Credit Union, EZ Card Checking Account<\/a> &#8211;\u00a0<em>For California residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.firstindependence.com\/personal-banking\/deposit-products\/\" target=\"_blank\" rel=\"noopener\">First Independence Bank, First Choice Checking<\/a><\/li>\n<li><a href=\"https:\/\/www.mars.bank\/perfect-fit-deposit-account\/\" target=\"_blank\" rel=\"noopener\">Mars Bank, Perfect Fit Account<\/a> &#8211;\u00a0<em>for western Pennsylvania residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.discover.com\/online-banking\/checking\/\" target=\"_blank\" rel=\"noopener\">Discover Bank\u00ae, Cashback Debit Checking Account<\/a><\/li>\n<li><a href=\"https:\/\/www.stearnsbank.com\/personal\/bankonstearns\" target=\"_blank\" rel=\"noopener\">Stearns Bank, N.A. BankONStearns Account<\/a><\/li>\n<li><a href=\"https:\/\/www3.mtb.com\/personal\/personal-banking\/checking-accounts-mandt-bank\/myway-banking?\" target=\"_blank\" rel=\"noopener\">M&amp;T Bank, MyWay Banking Checking account<\/a> &#8211;\u00a0<em>for residents of Connecticut, Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, Washington DC, and West Virginia only<\/em><\/li>\n<li><a href=\"https:\/\/www.providence.bank\/neighborhood-connect\/\" target=\"_blank\" rel=\"noopener\">Providence Bank and Trust, Neighborhood Connect<\/a> &#8211;\u00a0<em>for residents of Chicago, IL and surrounding suburbs and Northwest Indiana only<\/em><\/li>\n<li><a href=\"https:\/\/www.thomastonsavingsbank.com\/personal-banking-services\/checking-account\/uncommon-account\" target=\"_blank\" rel=\"noopener\">Thomaston Savings Bank, Uncommon Account <\/a>&#8211;\u00a0<em>for western Connecticut residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.key.com\/personal\/checking\/key-bank-hassle-free-account.jsp\" target=\"_blank\" rel=\"noopener\">KeyBank, Hassle-Free Account<\/a><\/li>\n<li><a href=\"https:\/\/www.truist.com\/prepaid-cards\/money-account?cid=OC-PTNR-013122001&amp;CampIDMaj=AAACQ&amp;CampIDMin=AAA\" target=\"_blank\" rel=\"noopener\">Truist, MoneyAccount<\/a><\/li>\n<li><a href=\"https:\/\/www.northshorebank.com\/personal\/checking\/balance-checking.aspx\" target=\"_blank\" rel=\"noopener\">North Shore Bank, Balance Checking<\/a> &#8211;\u00a0<em>for Eastern Wisconsin and Northern Illinois residents only<\/em><\/li>\n<li><a href=\"https:\/\/www.fcbanking.com\/personal\/checking-accounts\/smartpay-card\/\" target=\"_blank\" rel=\"noopener\">First Commonwealth Bank, SmartPay Card<\/a><\/li>\n<li><a href=\"https:\/\/www.regions.com\/personal-banking\/open-checking-account-online\/now-checking-account\" target=\"_blank\" rel=\"noopener\">Regions, Regions Now Checking<\/a> &#8211;\u00a0<em>for residents of Alabama, Arkansas, Florida, Georgia, Illinois, Indiana, Iowa, Kentucky, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Texas only<\/em><\/li>\n<li><a href=\"https:\/\/www.lafcu.org\/accounts\/connect-transaction-account\" target=\"_blank\" rel=\"noopener\">Los Angeles Federal Credit Union, CONNECT<\/a> &#8211;\u00a0<em>anyone residing in the Greater Los Angeles, California Metropolitan area can apply to join LAFCU. This area includes the counties of Los Angeles, Orange, Riverside, San Bernardino, and Ventura<\/em><\/li>\n<li><a href=\"https:\/\/online.citi.com\/US\/banking\/checking\/citi.action?ID=access-account\" target=\"_blank\" rel=\"noopener\">Citi, Access Account<\/a><\/li>\n<li><a href=\"https:\/\/www.golden1.com\/checking-savings\/checking\" target=\"_blank\" rel=\"noopener\">Golden 1 Credit Union, Easy Checking<\/a> &#8211;\u00a0<em>membership eligibility includes anyone who lives or works in California<\/em><\/li>\n<li><a href=\"https:\/\/www.usbank.com\/bank-accounts\/checking-accounts\/checkless-checking.html\" target=\"_blank\" rel=\"noopener\">U.S. Bank, Safe Debit Account<\/a><\/li>\n<li><a href=\"https:\/\/www.wintrust.com\/personal-solutions\/bank-with-us\/checking\/money-smart-checking.html?cid=display:bankon:BankOn_WintrustAccounts:MoneySmartChecking_WintrustLink_CovidBanking:202203\" target=\"_blank\" rel=\"noopener\">Wintrust Community Banks, Money Smart Checking<\/a> &#8211;\u00a0<em>for residents of Illinois, Indiana, Iowa, and Wisconsin only<\/em><\/li>\n<li><a href=\"https:\/\/www.firstmerchants.com\/personal-banking\/checking\/simple-access-checking\" target=\"_blank\" rel=\"noopener\">First Merchants Bank, Simple Access<\/a> &#8211;\u00a0<em>for residents of Illinois, Indiana, Michigan and Ohio<\/em><\/li>\n<li><a href=\"https:\/\/www.arvest.com\/personal\/bank\/checking\/bright-solutions\" target=\"_blank\" rel=\"noopener\">Arvest Bright Solutions&#x2122; Banking<\/a> &#8211;\u00a0<em>Certain residency requirements may apply<\/em><\/li>\n<li><a href=\"https:\/\/www.bankofamerica.com\/deposits\/checking\/advantage-banking\/\" target=\"_blank\" rel=\"noopener\">Bank of America, Advantage SafeBalance Banking Account<\/a><\/li>\n<li><a href=\"https:\/\/www.dollar.bank\/Personal\/Banking\/Checking\/No-Overdraft-Checking\" target=\"_blank\" rel=\"noopener\">Dollar Bank, No Overdraft Checking Account<\/a> &#8211;\u00a0<em>for Ohio, Pennsylvania, and Virginia residents only<\/em><\/li>\n<\/ul>\n<h2><b>Solution 2: Use a &#8220;Second Chance&#8221; Account to Rebuild Your Banking History<\/b><\/h2>\n<p>Have past issues like overdrafts, unpaid fees, or a negative ChexSystems report made it hard to get approved for a checking account? A <b>second chance checking account<\/b> is designed specifically for you.<\/p>\n<p>These accounts help you re-establish a positive banking history while providing essential features like direct deposit for your tax refund. While some may have modest monthly fees, they are a critical stepping stone back to mainstream banking.<\/p>\n<h3>National Second Change Checking Accounts:<\/h3>\n<ul>\n<li>Chime Account: <a href=\"https:\/\/www.chime.com\/second-chance-banking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Chime<\/a><\/li>\n<li>GoBank: <a href=\"https:\/\/www.gobank.com\/#checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Green Dot Bank<\/a><\/li>\n<li>Varo Bank Account: <a href=\"https:\/\/www.varomoney.com\/bank-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Varo<\/a><\/li>\n<li>Clear Access Banking: <a href=\"https:\/\/www.wellsfargo.com\/checking\/clear-access-banking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Wells Fargo<\/a><\/li>\n<\/ul>\n<h3>Regional Bank &amp; Credit Union Accounts<\/h3>\n<ul>\n<li>American Airlines Credit Union: <a href=\"https:\/\/www.aacreditunion.org\/banking\/checking\/checking-ascend\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Ascend Checking<\/a><\/li>\n<li>Appalachian Community Federal Credit Union: <a href=\"http:\/\/www.myacfcu.org\/Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Bank of the Ozarks: <a href=\"https:\/\/www.bankozarks.com\/your-family\/personal-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Pathway Checking<\/a><\/li>\n<li>BOK Financial: <a href=\"https:\/\/www.bokfinancial.com\/personal\/products-and-services\/personal-banking\/checking-accounts\/opportunity-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Banking<\/a><\/li>\n<li>Centennial Bank: <a href=\"https:\/\/www.my100bank.com\/personal-banking\/checking-accounts\/opportunity-100-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity 100 Checking<\/a><\/li>\n<li>City National Bank: <a href=\"https:\/\/www.bankatcity.com\/personal-banking\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Bounce Back Checking<\/a><\/li>\n<li>Fifth Third Bank: <a href=\"https:\/\/www.53.com\/content\/fifth-third\/en\/personal-banking\/bank\/checking-accounts\/express-banking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Express Banking<\/a><\/li>\n<li>First Financial Bank: <a href=\"https:\/\/www.bankatfirst.com\/personal\/bank\/checking\/noworry-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">NoWorry Checking<\/a><\/li>\n<li>Hope Credit Union: <a href=\"https:\/\/hopecu.org\/personal\/checking\/easy-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Easy Checking<\/a><\/li>\n<li>OneUnited Bank: <a href=\"https:\/\/www.oneunited.com\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">U2 E-Checking<\/a><\/li>\n<li>Simmons Bank: <a href=\"https:\/\/simmonsbank.com\/bank\/checking\/affordable-advantage-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Affordable Advantage Checking<\/a><\/li>\n<li>Staley Credit Union: <a href=\"https:\/\/www.staleycu.com\/banking\/accounts\/scu-checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Renew Checking<\/a><\/li>\n<li>Unify Financial Credit Union: <a href=\"https:\/\/www.unifyfcu.com\/checking-accounts#right-start-checking-account\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Right Start Checking<\/a><\/li>\n<li>Woodforest National Bank: <a href=\"https:\/\/www.woodforest.com\/personal\/checking\/second-chance-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<\/ul>\n<h3>Regional and State-Based Second Chance Checking Accounts:<\/h3>\n<ul>\n<li><strong>Alabama<\/strong>\n<ul>\n<li>Azalea City Credit Union: <a href=\"https:\/\/azaleacitycu.com\/Accounts\/Personal-Accounts#Personal-Draft\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Draft<\/a><\/li>\n<li>Family Security Credit Union: <a href=\"http:\/\/www.myfscu.com\/checking-savings\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Give Me a Break Checking<\/a><\/li>\n<li>First National Bank: <a href=\"https:\/\/www.fnbforyou.com\/personal\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">On Us Account<\/a><\/li>\n<li>Gulf Winds Federal Credit Union: <a href=\"https:\/\/www.gogulfwinds.com\/checking\/myopportunity-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">MyOpportunity Checking<\/a><\/li>\n<li>United Bank: <a href=\"https:\/\/www.unitedbank.com\/bank\/personal\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Gateway Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Alaska<\/strong>\n<ul>\n<li>True North Federal Credit Union: <a href=\"https:\/\/www.truenorthfcu.org\/spend-and-save\/checking\/checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">True Options Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Arizona<\/strong>\n<ul>\n<li>Banner Federal Credit Union: <a href=\"https:\/\/www.bannerfcu.org\/savings-checking\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Checking<\/a><\/li>\n<li>Tucson Old Pueblo Credit Union: <a href=\"https:\/\/www.topcu.org\/accounts\/account-management\/banking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Mission Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Arkansas<\/strong>\n<ul>\n<li>Diamond Bank: <a href=\"https:\/\/www.diamond.bank\/personal\/encore-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Encore Checking<\/a><\/li>\n<li>Red River Credit Union: <a href=\"https:\/\/www.rrcu.com\/accounts-services\/checking\/fresh-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>River Valley Community Federal Credit Union: <a href=\"https:\/\/www.myrvcu.com\/deposit\/accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>California<\/strong>\n<ul>\n<li>Befit Financial Federal Credit Union: <a href=\"https:\/\/bffcu.org\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Foothill Credit Union: <a href=\"https:\/\/www.foothillcu.org\/checking-accounts\/rebound-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Rebound Checking<\/a><\/li>\n<li>North County Credit Union: <a href=\"http:\/\/www.northcountycu.org\/home\/accounts\/checking\/fresh\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Premier America Credit Union: <a href=\"https:\/\/www.premieramerica.com\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Priority One Credit Union: <a href=\"https:\/\/www.priorityonecu.org\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Leaf Checking<\/a><\/li>\n<li>Self-Help Federal Credit Union: <a href=\"https:\/\/www.self-helpfcu.org\/personal\/accounts\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Access Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Colorado<\/strong>\n<ul>\n<li>Liberty Savings Bank: <a href=\"https:\/\/value.libertysavingsbank.com\/personal-checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Clean Slate Checking<\/a><\/li>\n<li>NuVista Federal Credit Union: <a href=\"https:\/\/www.nuvista.org\/Accounts\/Checking-Accounts\/Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">The Last Chance Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Connecticut<\/strong>\n<ul>\n<li>Finex Credit Union: <a href=\"https:\/\/finexcu.org\/accounts\/checking\/re-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<li>Hartford Federal Credit Union: <a href=\"https:\/\/www.hartfordfcu.com\/Accounts\/Checking-Accounts.aspx?tab=2nd-chance-checking#2nd-chance-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Take 2 Checking<\/a><\/li>\n<li>Tobacco Valley Teachers Federal Credit Union: <a href=\"https:\/\/www.tvtfcu.org\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">myChance Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Delaware<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>District of Columbia<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Florida<\/strong>\n<ul>\n<li>Central Credit Union of Florida: <a href=\"https:\/\/ccufl.org\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Compass Financial Federal Credit Union: <a href=\"https:\/\/www.compassffcu.org\/Personal\/Savings-Checking\/Checking-Accounts.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Restart Checking<\/a><\/li>\n<li>First American Bank: <a href=\"https:\/\/www.firstambank.com\/personalbanking\/banking\/checking\/freshstart\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>First Florida Credit Union: <a href=\"https:\/\/www.firstflorida.org\/accounts\/checking-accounts\/smart-track-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Smart Track Checking<\/a><\/li>\n<li>Gold Coast Federal Credit Union: <a href=\"https:\/\/www.gcfcu.org\/Checking?expand=Fresh-Start\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Gulf Winds Credit Union: <a href=\"https:\/\/www.gogulfwinds.com\/checking\/myopportunity-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">MyOpportunity Checking<\/a><\/li>\n<li>JetStream Federal Credit Union: <a href=\"https:\/\/www.jetstreamfcu.org\/index.php\/personal\/checking\/second-chance-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Restart Checking Account<\/a><\/li>\n<li>Liberty Savings Bank: <a href=\"https:\/\/value.libertysavingsbank.com\/clean-slate-checking?hsCtaTracking=c456d598-6a29-49a1-a99f-cfe462d4baa9%7C9f90c97f-e060-416d-b2c3-e9454150c51c\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Clean Slate Checking<\/a><\/li>\n<li>McCoy Federal Credit Union: <a href=\"https:\/\/www.mccoyfcu.org\/checking-and-savings\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Members First Credit Union of Florida: <a href=\"https:\/\/www.membersfirstfl.org\/personal\/checking\/checking-accounts#second\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<li>Okaloosa County Teachers Federal Credit Union: <a href=\"https:\/\/okaloosafcu.org\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">A New Leaf Checking<\/a><\/li>\n<li>Priority Credit Union: <a href=\"https:\/\/www.prioritycu.org\/checking\/#restart\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Restart Checking<\/a><\/li>\n<li>San Antonio Citizens Federal Credit Union: <a href=\"https:\/\/www.sacfcu.org\/accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Checking Rebuilder<\/a><\/li>\n<li>South Florida Federal Credit Union: <a href=\"https:\/\/www.southfloridafcu.com\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Aspire Checking<\/a><\/li>\n<li>United Bank: <a href=\"https:\/\/www.unitedbank.com\/bank\/personal\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Gateway Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Georgia<\/strong>\n<ul>\n<li>Georgia&#8217;s Own Credit Union: <a href=\"https:\/\/www.georgiasown.org\/checking\/resolution-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Resolution Checking<\/a><\/li>\n<li>Peach State Federal Credit Union: <a href=\"https:\/\/www.peachstatefcu.org\/second-chance-checking-account-fresh-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Hawaii<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Idaho<\/strong>\n<ul>\n<li>Latah Credit Union: <a href=\"https:\/\/latahcu.coop\/services\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Level Up Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Illinois<\/strong>\n<ul>\n<li>Catholic &amp; Community Credit Union: <a href=\"https:\/\/www.catholicandcommunitycu.com\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Rebound Checking<\/a><\/li>\n<li>First American Bank: <a href=\"https:\/\/www.firstambank.com\/personalbanking\/banking\/checking\/freshstart\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>First National Bank and Trust Company: <a href=\"https:\/\/www.bankatfirstnational.com\/personal\/checking\/renew-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Renew Checking<\/a><\/li>\n<li>Marquette Bank: <a href=\"https:\/\/emarquettebank.com\/personal\/personal-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">ReStart Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Indiana<\/strong>\n<ul>\n<li>Centra Credit Union: <a href=\"https:\/\/www.centra.org\/centra-savings-accounts\/second-chance-checking-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Checking<\/a><\/li>\n<li>Diamond Valley Federal Credit Union: <a href=\"https:\/\/www.diamondvalleyfcu.org\/content\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Liberty Federal Credit Union: <a href=\"https:\/\/libertyfcu.org\/accounts\/checking\/opportunity-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Checking<\/a><\/li>\n<li>Horizon Bank: <a href=\"http:\/\/www.horizonbank.com\/personal-banking\/checking\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Park Community Credit Union: <a href=\"https:\/\/www.parkcommunity.com\/personal-banking\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Brightside Checking Account<\/a><\/li>\n<li>Regional Federal Credit Union: <a href=\"https:\/\/www.regionalfcu.org\/bank_checking.php\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">First Step Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Iowa<\/strong>\n<ul>\n<li>Collins Community Credit Union: <a href=\"https:\/\/www.collinscu.org\/products\/personal\/banking\/take2-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Take2 Checking<\/a><\/li>\n<li>Federation Bank: <a href=\"https:\/\/www.federationbankia.com\/personal-checking.php\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Greater Iowa Credit Union: <a href=\"https:\/\/www.gicu.org\/spend\/checking\/fresh-start\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>North Iowa Community Credit Union: <a href=\"http:\/\/niccu.com\/personal-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Debit<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Kansas<\/strong>\n<ul>\n<li>Central National Bank: <a href=\"https:\/\/centralnational.com\/personal\/checking.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Opportunity Checking<\/a><\/li>\n<li>United Consumers Credit Union: <a href=\"https:\/\/www.uccumo.com\/accounts\/personal-checking\/second-chance-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Kentucky<\/strong>\n<ul>\n<li>The Cecilian Bank: <a href=\"https:\/\/www.thececilianbank.com\/index.cfm\/choice-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Choice Opportunity Checking<\/a><\/li>\n<li>Central Bank: <a href=\"https:\/\/www.centralbank.com\/personal-checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Clean Start Checking<\/a><\/li>\n<li>Liberty Federal Credit Union: <a href=\"https:\/\/libertyfcu.org\/accounts\/checking\/opportunity-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Checking<\/a><\/li>\n<li>FNB Bank: <a href=\"https:\/\/growwithfnb.com\/personal-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Start Again Checking<\/a><\/li>\n<li>Hearthside Bank: <a href=\"https:\/\/www.hearthsidebank.com\/Personal-Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Square One Checking<\/a><\/li>\n<li>Park Community Credit Union: <a href=\"https:\/\/www.parkcommunity.com\/personal-banking\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Brightside Checking Account<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Louisiana<\/strong>\n<ul>\n<li>Pelican State Credit Union: <a href=\"https:\/\/www.pelicanstatecu.com\/accounts\/personal-checking\/horizon-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Horizon Checking<\/a><\/li>\n<li>Southwest Louisiana Credit Union: <a href=\"https:\/\/swlacu.com\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Maine<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Maryland<\/strong>\n<ul>\n<li>Central Credit Union of Maryland: <a href=\"https:\/\/www.ccumd.org\/checking-and-savings\/checking-options\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Renew Checking<\/a><\/li>\n<li>Clear Mountain Bank: <a href=\"https:\/\/www.clearmountain.bank\/personal\/checking\/startfresh-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">StartFresh Checking<\/a><\/li>\n<li>Market USA Federal Credit Union: <a href=\"https:\/\/www.marketusafcu.com\/savings_checking\/checking\/freshstartchecking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Security Plus Federal Credit Union: <a href=\"https:\/\/www.securityplusfcu.org\/personal\/bank\/checking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Revive Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Massachusetts<\/strong>\n<ul>\n<li>Alden Credit Union: <a href=\"https:\/\/www.aldencu.com\/products-services\/personal\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">No Boundaries Checking<\/a><\/li>\n<li>Athol Credit Union: <a href=\"https:\/\/www.atholcreditunion.com\/Checking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Michigan<\/strong>\n<ul>\n<li>Credit Union One: <a href=\"https:\/\/www.cuone.org\/Spend\/Personal-Spending\/Personal-Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Basic Checking<\/a><\/li>\n<li>Horizon Bank: <a href=\"http:\/\/www.horizonbank.com\/personal-banking\/checking\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Marshall Community Credit Union: <a href=\"https:\/\/www.marshallcommunitycu.com\/accounts\/personal-checking\/fresh-start-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Members First Credit Union: <a href=\"https:\/\/www.mfcu.net\/Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Michigan State University Federal Credit Union (MSUFCU): <a href=\"https:\/\/www.msufcu.org\/rebuildchecking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Rebuild Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Minnesota<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Mississippi<\/strong>\n<ul>\n<li>Citizens National Bank: <a href=\"https:\/\/www.yourcnb.com\/personal-banking\/checking\/cleanslate-checking-savings\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">CleanSlate Checking<\/a><\/li>\n<li>Gulf Coast Community Credit Union: <a href=\"https:\/\/www.gulfcoastcommunityfcu.com\/accounts\/personal-checking\/new-chance-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Chance Checking<\/a><\/li>\n<li>MUNA Federal Credit Union: <a href=\"https:\/\/www.munafederal.com\/copy-of-checking-savings\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Missouri<\/strong>\n<ul>\n<li>Columbia Credit Union: <a href=\"https:\/\/comomoneypeople.com\/checking-1\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh-Start Checking<\/a><\/li>\n<li>Electro Savings Credit Union: <a href=\"https:\/\/www.electrosavings.com\/accounts\/personal-checking\/fresh-start-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>First State Community Bank: <a href=\"https:\/\/www.fscb.com\/personal\/personal-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Opportunity Checking<\/a><\/li>\n<li>Health Care Family Credit Union: <a href=\"https:\/\/www.healthcarefamilycreditunion.org\/personal-financial-services\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Montgomery Bank: <a href=\"https:\/\/www.montgomerybank.com\/Montgomery-New-Start-Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Montgomery New Start Checking<\/a><\/li>\n<li>St. Louis Community Credit Union: <a href=\"https:\/\/www.stlouiscommunity.com\/accounts\/freedom-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Freedom Checking<\/a><\/li>\n<li>United Consumers Credit Union: <a href=\"https:\/\/www.uccumo.com\/accounts\/personal-checking\/second-chance-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<li>United Credit Union: <a href=\"https:\/\/www.unitedcu.org\/restore-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Restore Checking<\/a><\/li>\n<li>Wood &amp; Huston Bank: <a href=\"https:\/\/www.woodhuston.com\/personal\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">StartFresh Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Montana<\/strong>\n<ul>\n<li>Clearwater Credit Union: <a href=\"https:\/\/clearwatercreditunion.org\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">SmartSpend Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Nebraska<\/strong>\n<ul>\n<li>Central National Bank: <a href=\"https:\/\/centralnational.com\/personal\/newopportunity.asp\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Opportunity Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Nevada<\/strong>\n<ul>\n<li>Clark County Credit Union: <a href=\"https:\/\/www.ccculv.org\/Checking-Accounts#CheckAgain\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">CheckAgain 2nd Chance Checking<\/a><\/li>\n<li>WestStar Credit Union: <a href=\"https:\/\/www.weststar.org\/spend\/checking-accounts\/fresh-start-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>New Hampshire<\/strong>\n<ul>\n<li>GFA Federal Credit Union: <a href=\"https:\/\/www.gfafcu.com\/banking\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>New Jersey<\/strong>\n<ul>\n<li>Credit Union of New Jersey: <a href=\"https:\/\/www.cunj.com\/personal-banking\/checking\/account-options\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Right Turn Checking<\/a><\/li>\n<li>Jersey Shore Federal Credit Union: <a href=\"https:\/\/www.jerseyshorefcu.org\/checking-s-savings\/Fresh-Start-Checking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>United Teletech Financial Federal Credit Union: <a href=\"https:\/\/www.utfinancial.org\/save-spend\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">United New Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>New Mexico<\/strong>\n<ul>\n<li>Bank of Albuquerque: <a href=\"https:\/\/www.bankofalbuquerque.com\/personal\/products-and-services\/personal-banking\/checking-accounts\/opportunity-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Banking<\/a><\/li>\n<li>Lea County State Bank: <a href=\"https:\/\/www.onlinelcsb.com\/personal\/checking-and-debit-card\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">LCSB Second Chance Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>New York<\/strong>\n<ul>\n<li>Adirondack Regional Federal Credit Union: <a href=\"https:\/\/adkcreditunion.com\/checking-accounts\/new-beginnings-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Beginnings Checking<\/a><\/li>\n<li>Alternatives Federal Credit Union: <a href=\"https:\/\/www.alternatives.org\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Centra Credit Union: <a href=\"https:\/\/www.centra.org\/second-chance-checking-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Checking<\/a><\/li>\n<li>Financial Trust Federal Credit Union: <a href=\"https:\/\/financialtrustfederalcreditunion.com\/Products.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">2nd Chance Checking<\/a><\/li>\n<li>Fulton Savings Bank: <a href=\"https:\/\/fultonsavings.com\/second-chance\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Opportunity Checking<\/a><\/li>\n<li>Genesee Valley Federal Credit Union: <a href=\"https:\/\/www.geneseevalleyfcu.com\/bank\/personal-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>North Carolina<\/strong>\n<ul>\n<li>Skyla Credit Union: <a href=\"https:\/\/www.skylacu.com\/bank\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Excite Credit Union: <a href=\"https:\/\/excitecu.org\/personal\/checking-savings\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>North Dakota<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Ohio<\/strong>\n<ul>\n<li>Buckeye State Credit Union: <a href=\"https:\/\/www.buckeyecu.org\/deposits\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Empowerment Checking<\/a><\/li>\n<li>Eaton Family Credit Union, Inc.: <a href=\"https:\/\/www.eatonfamilycu.com\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Refresh Checking<\/a><\/li>\n<li>Hopewell Federal Credit Union: <a href=\"https:\/\/www.hopewellfcu.org\/Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Rebound Checking<\/a><\/li>\n<li>KEMBA Financial Credit Union: <a href=\"https:\/\/www.kemba.org\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Members Trust Federal Credit Union: <a href=\"https:\/\/www.memberstrust.org\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Trust and Alternative Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Oklahoma<\/strong>\n<ul>\n<li>Allegiance Credit Union: <a href=\"https:\/\/www.allegiancecu.org\/accounts\/personal-checking\/second-chance-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Account<\/a><\/li>\n<li>Bank of Oklahoma: <a href=\"https:\/\/www.bankofoklahoma.com\/personal\/products-and-services\/personal-banking\/checking-accounts\/opportunity-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Banking<\/a><\/li>\n<li>Citizens Bank of Edmond: <a href=\"https:\/\/mycitizens.bank\/personal\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Oklahoma Educators Credit Union (OECU): <a href=\"https:\/\/oecu.com\/checking\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>TTCU Federal Credit Union: <a href=\"https:\/\/www.ttcu.com\/checking-savings\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Western Sun Federal Credit Union: <a href=\"https:\/\/www.wsfcu.com\/spend\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Oregon<\/strong>\n<ul>\n<li>Point West Credit Union: <a href=\"https:\/\/www.pointwestcu.com\/personal\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Pennsylvania<\/strong>\n<ul>\n<li>Utilities Employees Credit Union (UECU): <a href=\"https:\/\/uecu.org\/greenlightchecking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Green Light Checking<\/a><\/li>\n<li>West Branch Valley Federal Credit Union: <a href=\"https:\/\/www.wbvfcu.org\/deposit-products\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Back on Track Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Rhode Island<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>South Carolina<\/strong>\n<ul>\n<li>Caro Federal Credit Union: <a href=\"https:\/\/smartcaro.org\/rebound-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Rebound Checking<\/a><\/li>\n<li>Carolina Trust Federal Credit Union: <a href=\"https:\/\/www.carolinatrust.org\/accounts\/checking\/encore-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Encore Checking<\/a><\/li>\n<li>HopeSouth Credit Union: <a href=\"https:\/\/hopesouth.org\/accounts\/checking-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Market USA Federal Credit Union: <a href=\"https:\/\/www.marketusafcu.com\/savings_checking\/checking\/freshstartchecking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Peach State Federal Credit Union: <a href=\"https:\/\/www.peachstatefcu.org\/Accounts\/Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Vital Federal Credit Union: <a href=\"https:\/\/www.vitalfcu.com\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>South Dakota<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Tennessee<\/strong>\n<ul>\n<li>First National Bank: <a href=\"https:\/\/www.fnbforyou.com\/personal\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">On Us Account<\/a><\/li>\n<li>Greater Eastern Credit Union: <a href=\"https:\/\/www.greatereastern.org\/a-checking.html#fresh\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Holston Methodist Federal Credit Union: <a href=\"https:\/\/www5.homecu.net\/fi\/holston\/ps-acct-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<li>Hearthside Bank: <a href=\"https:\/\/www.hearthsidebank.com\/Personal-Checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Square One Checking<\/a><\/li>\n<li>Select Seven Credit Union: <a href=\"https:\/\/www.selectsevencu.org\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Texas<\/strong>\n<ul>\n<li>4U Credit Union: <a href=\"https:\/\/www.4ucu.org\/accounts\/save-checking.php\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Abilene Teachers Federal Credit Union: <a href=\"https:\/\/www.abileneteachersfcu.org\/home\/checking\/restart-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Restart Checking<\/a><\/li>\n<li>Associated Credit Union of Texas: <a href=\"https:\/\/www.acutx.org\/accounts\/checking-accounts\/180-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">180 Checking<\/a><\/li>\n<li>Bank of Texas: <a href=\"https:\/\/www.bankoftexas.com\/personal\/products-and-services\/personal-banking\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Opportunity Banking<\/a><\/li>\n<li>Baptist Credit Union: <a href=\"https:\/\/baptistcu.org\/member-services\/checking-accounts\/checking-choices\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Draft Builder Checking<\/a><\/li>\n<li>Chocolate Bayou Credit Union: <a href=\"https:\/\/www.chocolatebayou.org\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Clean Slate Checking<\/a><\/li>\n<li>Diamond Bank: <a href=\"https:\/\/www.diamond.bank\/personal\/-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Encore Checking<\/a><\/li>\n<li>First Service Credit Union: <a href=\"https:\/\/www.fscu.com\/personal\/checking-and-savings\/checking\/fresh-start-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Kelly Community Federal Credit Union: <a href=\"https:\/\/www.kellycommunity.org\/accounts\/checking\/smart-choice-checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">$mart Choice Checking<\/a><\/li>\n<li>MemberSource Credit Union: <a href=\"https:\/\/www.membersourcecu.org\/accounts\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Select Checking<\/a><\/li>\n<li>Members Trust of the Southwest Federal Credit Union: <a href=\"https:\/\/www.mtfcu.coop\/products-services\/consumer\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Start Checking<\/a><\/li>\n<li>Memorial Credit Union: <a href=\"https:\/\/www.memorialcu.org\/new-start-checking-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">New Path Checking<\/a><\/li>\n<li>Neighborhood Credit Union: <a href=\"https:\/\/www.myncu.com\/accounts\/checking\/fresh-start\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>East Texas Professional Credit Union: <a href=\"https:\/\/www.etpcu.org\/save-and-spend\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Priority Checking<\/a><\/li>\n<li>Peoples Bank: <a href=\"https:\/\/www.pbparis.com\/checking.aspx\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Second Chance Checking<\/a><\/li>\n<li>Premier America Credit Union: <a href=\"https:\/\/www.premieramerica.com\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Prestige Community Credit Union: <a href=\"https:\/\/www.prestigecu.org\/accounts\/#checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Red River Employees Federal Credit Union: <a href=\"https:\/\/www.rrcu.com\/compare-checking-accounts#fresh-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Select Federal Credit Union: <a href=\"http:\/\/selectfcu.org\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Southside Bank: <a href=\"https:\/\/www.southside.com\/personal-banking\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Next Checking<\/a><\/li>\n<li>Tarrant County&#8217;s Credit Union: <a href=\"https:\/\/www.tccu-tx.com\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>United Heritage Credit Union: <a href=\"https:\/\/www.uhcu.org\/banking\/personal-banking\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Choice Checking<\/a><\/li>\n<li>Unity One Credit Union: <a href=\"https:\/\/www.unityone.org\/save\/checking-accounts\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Clean Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Utah<\/strong>\n<ul>\n<li>American United Federal Credit Union: <a href=\"https:\/\/www.amucu.org\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Cyprus Credit Union: <a href=\"https:\/\/www.cypruscu.com\/accounts\/checking-account\/fresh-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Vermont<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<li><strong>Virginia<\/strong>\n<ul>\n<li>Central Virginia Federal Credit Union: <a href=\"https:\/\/www.cvfcu.com\/personal-services\/checking-accounts\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>Healthcare Systems Federal Credit Union: <a href=\"https:\/\/www.healthcarefcu.org\/accounts\/renew-account\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Renew Checking<\/a><\/li>\n<li>Member One Federal Credit Union: <a href=\"https:\/\/www.memberonefcu.com\/accounts\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Smart Choice Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Washington<\/strong>\n<ul>\n<li>MountainCrest Credit Union: <a href=\"https:\/\/www.mountaincrestcu.com\/accounts\/personal-checking\/fresh-start-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>West Virginia<\/strong>\n<ul>\n<li>Clear Mountain Bank: <a href=\"https:\/\/www.clearmountain.bank\/personal\/checking\/startfresh-banking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">StartFresh Checking<\/a><\/li>\n<li>West Virginia Federal Credit Union: <a href=\"https:\/\/www.wvfcu.org\/products\/checking-accounts-overview\/fresh-start-checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Wisconsin<\/strong>\n<ul>\n<li>Brewery Credit Union: <a href=\"https:\/\/brewerycu.com\/checking\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<li>First National Bank and Trust Company: <a href=\"https:\/\/www.bankatfirstnational.com\/personal\/checking\/renew-checking.html\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Renew Checking<\/a><\/li>\n<li>Crossbridge Community Bank: <a href=\"https:\/\/www.crossbridge.bank\/personal\/checking\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" data-currency=\"Link\">Fresh Start Checking<\/a><\/li>\n<\/ul>\n<\/li>\n<li><strong>Wyoming<\/strong>\n<ul>\n<li><em>See regional &amp; national options.<\/em><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><b>Don&#8217;t Miss Out On Your Refund<\/b><\/h2>\n<p>The shift away from <a href=\"https:\/\/www.etax.com\/blog\/2026\/03\/17\/irs-refund-delays-what-to-do-if-you-received-notice-cp53e\/\">IRS paper checks<\/a> is happening now. By choosing a Bank On certified or second chance account, you can set up direct deposit and ensure you get your tax refund the fastest and safest way possible. Explore the links above to find the right account for your needs and get started today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The IRS is modernizing its payment system, and that means one big change for taxpayers: the end of paper checks for tax refunds and other payments. To get your money quickly and securely, you&#8217;ll now need to use direct deposit. But what if you don&#8217;t have a bank account? Or if past banking issues have [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1970,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[667,140,669,668],"class_list":["post-1968","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general-filing","tag-bank-on","tag-direct-deposit","tag-irs-refund","tag-second-change"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Get Your IRS Refund Fast: Direct Deposit for Non-Bankers<\/title>\n<meta name=\"description\" content=\"The IRS is ending paper checks. Learn how to get your tax refund with direct deposit, even without a traditional bank account. 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Explore Bank On &amp; second chance options.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.etax.com\/blog\/2025\/09\/25\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\/\" \/>\n<meta property=\"og:site_name\" content=\"eTax.com\u00ae Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/eTaxcom-135749976483724\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-25T13:49:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-08T23:01:41+00:00\" \/>\n<meta property=\"og:image\" content=\"http:\/\/www.etax.com\/blog\/wp-content\/uploads\/2025\/09\/non-traditional-bank-account.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1536\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/#\\\/schema\\\/person\\\/ddb9378caffbf2f32f89a84d213b3ef4\"},\"headline\":\"IRS Ending Paper Checks: How to Get Your Tax Refund Faster Without a Traditional Bank Account\",\"datePublished\":\"2025-09-25T13:49:45+00:00\",\"dateModified\":\"2025-12-08T23:01:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/\"},\"wordCount\":2273,\"publisher\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/non-traditional-bank-account.jpg\",\"keywords\":[\"Bank On\",\"Direct Deposit\",\"IRS Refund\",\"Second Change\"],\"articleSection\":[\"General Filing\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/\",\"url\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/\",\"name\":\"Get Your IRS Refund Fast: Direct Deposit for Non-Bankers\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/2025\\\/09\\\/25\\\/irs-ending-paper-checks-how-to-get-your-tax-refund-faster-without-a-traditional-bank-account\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.etax.com\\\/blog\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/non-traditional-bank-account.jpg\",\"datePublished\":\"2025-09-25T13:49:45+00:00\",\"dateModified\":\"2025-12-08T23:01:41+00:00\",\"description\":\"The IRS is ending paper checks. 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