subject: Second Chance Checking Account Information [print this page] Have you ever had such a difficult time keeping your checking account straight that you have either given up on it altogether or have been denied another checking account? If you said yes to either one of these possibilities, you are not alone my friends. There are a whole bunch of people in that very same situation that could really use a second chance to get it right or simply to do a better job this time around. The good thing about the way things have been going is that there is such a thing as a Second Chance Checking account now.
What you might not realize is that most of the banks as well as credit unions that do not use Chexsystems to gather their primary financial information to approve new accounts are also offering you a second chance that will allow you to get things back on track. We all know that it is almost impossible to get a credit card or a loan in you have anything against you on your credit reports. Along this same line of thought is the fact that many banks have been using ChexSystems to gather the information that they consider important to their financial health and well-being. Unfortunately, some of that information has been exactly what gets people turned down for that checking account that they need.
On the other side of this coin is the fact that there are banks that will give you a Second Chance Checking account in spite of problems in the past. This is a good thing for those that absolutely feel that they must have a checking account in order to keep the bill paid in a convenient manner.
There might be some out there that are looking at this and are saying that it really is not that big of a deal to have a checking account, so why all the fuss and bother. Well, that is great if you can get along without having a checking account of any type. For those that need to have a checking account you might want to check out the partial list of banks that do not use ChexSystems as their main source of information.
Do you realize that some Bank of America (BoA) branches - those that were actually a different bank that was bought out or taken over by BoA - actually do offer second chances to their customers? If this is something that you did not think could ever be possible, you need to realize that banks that are now Bank of America operated differently prior to becoming BoA branches.
This is how and why the differences are there. Most of the time when you go looking for a good list of banks and credit unions that will give you a second chance to get things straightened out and better you are going to find that you need to choose the state you live in first before anything else. The lists are broken down by states, which might be easier.
