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Select 2 - Second Chance Checking

Second Chance Bad Credit Checking Account

Sometimes you just need a second chance.

We understand that sometimes life can throw a curve ball and unexpected things happen. That's why we created Select 2. Sometimes you just need a second chance.

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Account Features

  • Low minimum opening deposit of $25
  • No minimum balance requirement
  • Online Banking
  • Mobile Banking**
  • Debit/ATM card
    • $300.00 daily limit
    • $500.00 daily point-of-sale (POS) limit
  • Nationwide ATM access with no fees when using a MoneyPass Network***
  • AnyTime Access 24-hour telephone banking service
  • Online banking security token available****
  • E-statement or monthly paper statement ($3.00 fee to receive images)
  • $9.00 monthly service charge
    • This charge can be reduced to $6.00 per month when at least one of the following is utilized:
  1. Direct Deposit (ACH)
  2. eStatements


Account Requirements*

  • Electronic withdrawals (debits) only, no checks allowed
  • Checks can be deposited to the account
  • Three (3) "Oops" non-sufficient funds allowed*****

Additional Services Available at Anniversary Date

Account will be converted to a regular Select Checking account on or after its anniversary date if the account has been handled in a satisfactory manner.
  • Overdraft Protection options available
  • Convenient Online Bill Pay service
  • Mobile Check Deposit******
  • Increased debit card limits
    • $500 daily ATM limit
    • $500 daily point-of-sale limit
 *Failure to comply with said limitations will result in account closure. **There is no fee from The Bank of Missouri for accessing our online and mobile services. Connectivity and usage rates may apply. Please contact your internet/wireless provider(s) for details. ***Use of an ATM outside of the MoneyPass Network may result in a fee from both The Bank of Missouri and the bank administering the cash.****There is no fee from The Bank of Missouri for virtual tokens. Connectivity and usage rates may apply. Please contact your wireless provider for details. Physical tokens carry a one-time charge of $15*****The bank’s normal non-sufficient funds (NSF) fee of $29.89 for each transaction will apply and be deducted from your account. ****** Click here for full details and requirements on Mobile Check Deposit.