Second Chance Checking

LorMet’s Second Chance Checking account provides an opportunity to return to normal banking after being reported to ChexSystems® in the past

Second Chance CheckingMonthly Service Fee: $9.95 / month

One-Time Account Setup Fee: $25.00

Minimum to open: $50.00

Features & Benefits:

  • Free LorMet Debit Card (after first Direct Deposit received)
  • Free Online Banking and Mobile Banking
  • Free Mobile Check Deposit


Apply Online


  • ChexSystems reporting must be older than six (6) months
  • No more than one (1) reporting record, up to $500
  • No Suspected Fraud reporting


  • Cannot write checks on this account
  • Not eligible for Overdraft Privilege
  • Requires paperless E-Statements


ChexSystems is a registered trademark of Chex Systems, Inc.