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Friends: Getting a great bank account can be hard, especially when you are on the ChexSystems list or have bad credit. I know, because I've been there. I used to have a great checking account at a local bank, and was always a good... See more » Friends: Getting a great bank account can be hard, especially when you are on the ChexSystems list or have bad credit. I know, because I've been there. I used to have a great checking account at a local bank, and was always a good customer. Then I ran into some work problems, and got laid off. Money was tight, and I bounced a few checks. My bank closed my account. I finally got another job, but couldn't find another bank that would let me open a new account. Each bank I went to told me the same thing: "We can't open an account for you - you are on the ChexSystems list." I never even knew that such a list existed! But boy, did being on that list cause me problems. To cash my paycheck, I had to go to a local check cashing store each friday. I'd wait in line with everyone else, and pay for the privilege of getting my paycheck cashed. Then, when I needed to pay rent or my phone bill, I'd go back to the check cashing store and buy a couple of money orders. The fees and wasted time were driving me crazy. Some weeks, I'd spend $40 just to pay my bills and get my check cashed (and I didn't make a heck of a lot to start with!). I started searching everywhere for a bank that would let me open a decent account with them. Most of them were super-expensive, or didn't have all the features I wanted (like bill payment, a debit card, FDIC insurance at a real bank... stuff like that). Finally, a friend told me about a real bank that has a 100% guarantee -- they will let everyone open an account with them! They don't care if you are on ChexSystems or have bad credit. Plus, the bank is a federally insured bank (so I don't have to worry about them closing down and losing my money!). I also got a MasterCard debit card that I can use EVERYWHERE! I can use it to get money out of ATM machines (I even used it in Mexico when I went on my first vacation in years), and can also use it to buy groceries at the local store. I can also use it to buy stuff on the Internet (and save lots of money). Even better, I can use their bill payment system to pay all my bills. I never need to go to the check cashing store again! (although I bet the clerks there miss me!). See less »

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bad credit bank, bank account, debit card, debit card account, prepaid debit card, visa, visa debit card

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