checking account

[Anonymous]

Anybody have any suggestions for getting an second chance checking account? I am listed in chexsystems and having an hard time getting a checking acct. Are there any online banks or other banks that don't check chexsystems? I'm looking to purchase a home in 6 months and need a checking account.

[KellyP25721]

Not sure about your area, but I was able to get a 2nd chance checking account at WoodForest Bank a few years ago.  They are located in the Walmart's around here.  

[Pway]

I believe Chase does second chance checking accounts or google credit unions that does not check chexsystems.

[camera_jen]

Chase does second chance checking accounts.  The catch is that if your balance is below $100 you can't use your debit card, you have to take out cash.  So if your balance is $110 and you swipe your debit card for $11, it will go through fine.  But it would decline if your balance was $99.  They also don't give you actual checks, just a debit card.  After 6 months, they switch you to a normal checking account and you can have checks again.

[Anonymous]

Look at Capital One 360.

[SunriseEarth]

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@Anonymous wrote:
Anybody have any suggestions for getting an second chance checking account? I am listed in chexsystems and having an hard time getting a checking acct. Are there any online banks or other banks that don't check chexsystems? I'm looking to purchase a home in 6 months and need a checking account.

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Have you requested a copy of your Chexsystems report yet?   Be sure to do that if you haven't.   IME, CUs may be a good route to go for checking.   

[Sheridan]

I believe BBVA Compass bank has 2nd chance checking. 

[undrtkr65]

Fifth third bank has a basic checking account. you have to apply for a regular account and they will counter offer you the basic account if your on chexsystems. It has a 8 dollar monthly fee with direct deposit and they refund all foreign atm charges. I have had this account for 5 months and I hadn't a single problem. They will upgrade you to a regular account in 12 months if you do good on it.

[Anonymous]

Bigger questions, why not just pay off the old account?