Woodforest National Bank is a privately held bank headquartered in The Woodlands, Texas. As of March 2020, it had more than 788 branches in 17 different states. Woodforest National Bank is Walmart's largest retail partner. Woodforest has a few branches that are open 24 hours a day and 364 days of the year. Woodforest National Bank also partners with Sam's Club and Kroger in a few states., In addition to regular accounts, Woodforest National Bank offers "second chance" checking accounts for customers who have not remained in good standing with ChexSystems, albeit with higher fees and a much longer probation period than PNC Bank as of March 2012. In addition to a second chance checking account for consumers, Woodforest National Bank also offers a second chance business account. In the summer of 2013, Woodforest National bank launched a merchant services device that attaches to cellular phones called Cell It.