Hi Everyone:
I use to have 2 checking accts. One was for my personal use (i.e. direct deposits of my paycheck) and the other one for my son's SSI direct deposit. Well the one that I used for my personal use was closed due to NSF. The bank did not give me a chance to pay the $120. The bank paid the $120 to bring my account to a positive but zero balance and then they referred the account to collections. This I believe happened within the last 3 months. I plan to list this bank acct when I file so that I don't have to pay the CA the $120. I still have the other acct for my son's direct deposit, but now since that's the only acct I have, my son's $$ and now that I am working - my checks from my job are being deposited in there too. I even had my tax refund put in there too. I so desperately want to open another account with maybe Wash. Mutual because when I file bk, it doesn't look good to have all that different $$ in the same acct. It becomes a little difficult to follow i.e. what $$ went to pay what. Can I open a new acct? How does chex systems work? Will that NSF bite me in the behind and prevent me from opening a new acct?
so-beyond
I use to have 2 checking accts. One was for my personal use (i.e. direct deposits of my paycheck) and the other one for my son's SSI direct deposit. Well the one that I used for my personal use was closed due to NSF. The bank did not give me a chance to pay the $120. The bank paid the $120 to bring my account to a positive but zero balance and then they referred the account to collections. This I believe happened within the last 3 months. I plan to list this bank acct when I file so that I don't have to pay the CA the $120. I still have the other acct for my son's direct deposit, but now since that's the only acct I have, my son's $$ and now that I am working - my checks from my job are being deposited in there too. I even had my tax refund put in there too. I so desperately want to open another account with maybe Wash. Mutual because when I file bk, it doesn't look good to have all that different $$ in the same acct. It becomes a little difficult to follow i.e. what $$ went to pay what. Can I open a new acct? How does chex systems work? Will that NSF bite me in the behind and prevent me from opening a new acct?
so-beyond
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