Credit Card Center Advertiser Disclosure

Posts: 7
Registered: ‎12-02-2012

Banking Advice needed.... please.

I have been banking with Citizens Bank for the past 4 years now. I had a problem with a overdraft at HSBC, which placed me in the Chexsystem. Citizens Bank opened up my checking and saving account with no problem. However, I suffer from Bi-Polar, and when I was manic, I did a few crazy things one night because I couldn't sleep. To make a long story short, I tried to open a bank account online... to see if I was indeed still in the Chexsystem.... then another, and another. Well, now, I have an account with Bank of America, Citizens Bank, and my local credit union. Oh, and my student bank account. I don't know what to do!!!!!! Advice is greatly needed.

I forgot to add, I don't have a BOA in my town, if I don't do online banking... I have to drive 25miles to the closest Bank.

Valued Contributor
Posts: 3,022
Registered: ‎08-13-2009

Re: Banking Advice needed.... please.

What do you want advice with?


If you have all the bank accounts open, keep them open if they are "free".  Make sure you understand the rules for each account.


I have multiple accounts (military - we move around alot and had to open new ones when we moved - kept them open - this was before online banking, etc).  I just make small deposits into them (either transfer online or in person or through paypal) and keep them active.   

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.