topic Re: checking account in Rebuilding Your Credit

checking account

Anonymous — Tue, 07 Apr 2015 16:48:57 GMT

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.

Re: checking account

KellyP25721 — Tue, 07 Apr 2015 20:58:27 GMT

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.

Re: checking account

Pway — Tue, 07 Apr 2015 21:04:19 GMT

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

Re: checking account

camera_jen — Tue, 07 Apr 2015 21:20:39 GMT

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.

Re: checking account

Anonymous — Tue, 07 Apr 2015 21:30:21 GMT

Look at Capital One 360.

Re: checking account

SunriseEarth — Tue, 07 Apr 2015 21:31:55 GMT

@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.

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.

Re: checking account

Sheridan — Tue, 07 Apr 2015 22:19:41 GMT

I believe BBVA Compass bank has 2nd chance checking.

Re: checking account

undrtkr65 — Tue, 07 Apr 2015 22:54:21 GMT

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.

Re: checking account

Anonymous — Tue, 07 Apr 2015 22:58:25 GMT

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