My situation was somewhat similar to yours. About 6 or 7 years ago I switched banks from navy federal to a different credit union due to moving to a different state with no nfcu branches. I forgot to update a few recurring bills which caused overdrafts and lots of fees that I couldn't pay back. They closed the account and never sent it to collections but my share savings remained open. I filed for chapter 7 this past January and after I was discharged i wanted to restart a relationship with them to help rebuild my credit.I applied to open a checking account and they approved it. I'm not sure if it was because so many years went by or what? But I have read that if they were burned in bankruptcy they will allow you to open new accounts if you "voluntarily" pay them back all the money you burned them for. So far I have a checking, savings, a secured card that graduated after about 6 full statements (so about 7 months) and a secured pledge loan. Hope this helps, I have seen that everyone's experiences with Navy varies.
