How can I get a bank account while i'm on check systems and have bad credit?

Question

just filed bankruptcy and we're doing great now but would LOVE a bank account

Answer 1

You might go to http://www.chexvictims.com and look in the database they have for banks or credit unions in your area that do not use the ChexSystem.

Answer 2

If you just filed bankruptcy wait tell the discharge or the chapter 13 payment plan is started before opening an account.

US bank has second chance checking. Take you discharge or payment plan in, when you open an account.

Answer 3

Try a Credit Union. They are good for your credit and they give accounts easier. It's like a trust thing. They will want a deposit. And then you have an account with them. keep yourself in good standing with them and your credit with banks will be good in no time. I filed Bankruptcy and no bank would take me accept the credit union.

Answer 4

Open a business bank account. You can also establish new credit lines on you tax id but that would be another answer. You can get vendor credit at first. but eventually you will get cash credit lines.
To open business bank account following.
1. incorporate
2. get tax id# from irs
3. draw up a resolution to open bank account.
This is done on the business and your an employee of the corporation or limited liability company.

Answer 5

I found a solution that worked for me. It might work for you too.

I had some pretty serious credit problems…some were not my fault and, I guess, a few were. I listened to the so-called “experts” who said they could fix my credit report and I spent money I didn’t have. I didn’t have any luck trying to get my credit report fixed.

I remember paying for the services that these Credit Repair Companies had to offer. The companies told me that they could have negative items removed from my credit reports without any problem, Yeah, right. This did not happen at all. Most of the companies wanted to charge me a set up fee anywhere from $39 to $299 for their services. Not only did they charge this set up fee, most of them also wanted to charge me from $29 to $49 monthly while they “attempted” to repair my credit report. These companies offered no guarantee that their services would actually work and, believe me, they didn’t.

I was about ready to give up when I found a lady who had been through the same thing and who had found a solution. She figured out how get all the negative items removed from her credit report within 3 months without paying anyone a penny. She developed a fast, easy, step-by-step process that she guarantees will work for everyone. She sells the complete plan with all the help and instructions for $47.00.

I know what you are thinking…”another $47 down the drain,” and that’s kind of what I was thinking too. But, I figured that since she offers a 100% money back guarantee I had nothing to lose.

Well, I tried it and it was amazing. I got all of the negative items removed from my credit report and my credit score went from 553 to 715 in only 3 months. All I can say is that it worked great for me. I suggest you check it out. You can always get your money back if it doesn’t work for you. If it works even half as well for you as it did for me you will never even think about asking for a refund.

The information is on this site: http://clean-credit-secrets.com/

Answer 6

Go to Bank of America.

Answer 7

dont know about the US so this wont help if your in the us but if your in the UK most banks have current accounts which accept direct debits and standing orders and run like a normal account however you wouldnt get a switch/maestro/solo card but you would get a cashline card.