Checking Accounts

[tracy1878]

I looking for a bank that does not run your info through the "checks" system... we have a negative amount thru an old Hunington Bank checking account that has kept us from getting a checking account. This account is included with our bankruptcy so will eventually be taken off the checks system, but i really can't wait any longer to get a checking account. Are there any online banks or large chains that don't run your info? Or would we have any luck telling the circumstances behind that negative info on there?

[herekitty]

I'm not aware of any, it's a standard system. You may have to wait until your bankruptcy is done to do so.

A friend of mine ran into the same problem and I believe she filed for bankruptcy - she was able to get a savings account and her bank did not charge for money orders as long as you had the account in good standing. Maybe this would be an option?

[Cmonlottery]

There are some second chance banking options out there. The one that comes to mind to me is the ones in all the Wal-Marts down here. I think it is called First Convenience Bank. I haven't seriously looked into them, but I beleive they are kinda high in fees.

[coolbreaker]

i would stay away from "online" banks

that system they use of running your application is standard, maybe you have to call up a few banks and ask if you can pass through that system

or wait till your bankruptcy gets by

[invest1choice]

My mom just told me when she filed bankruptcy REGIONS BANK took her .. not sure if you have that bank there but if so try them. )

[originalhealer]

You will still stay on ChexSystems even if the debt is discharged through Bankruptcy.

[Cmonlottery]

You will still stay on ChexSystems even if the debt is discharged through Bankruptcy.

How long?

[Lightning]

Five years.