Have you been able to get a second chance checking account at Comerica Bank?
2 people have gotten a Second Chance Checking Account at Comerica Bank.
If Comerica Bank at 4200 S Cooper St does not have Second Chance Checking, you can try checking out other banks in Arlington.
Having your checking account straight into the negative and then not paying it back is nothing an individual should have to go through. With increasing fees from Non Sufficient Funds charges, it could be hard to pay the cash back. If you are having problems getting a new checking account, you need to get a second chance checking account.
Whenever a bank gives you a new bank account similar to this, they know that you have had some problems in the past with other banks. If you try to open an account with a bank that does not have this program, you will be denied a new checking account. The only thing they would let you open is a savings account, and that does not help that much.
When you may have money problems with other banks, they put your name on a list called chexsystems. It is a list that is used by all the major banks, and when you try to open a new account, they check it. It is somewhat similar to credit history, but it is not the same thing. Besides getting a no chexsystems checking account, getting a second chance checking account will be the fastest thing you can do to get a checking account.
You will get a second chance checking account, and sometimes banks will simply take off a few capabilities to help make certain your account doesn't get into the negative again. Whenever you get a new start with a second chance checking account, make certain you watch it very closely. You want to manage your account well, because if it goes into the negative even once, they will mostly close your account.
So to make things easier and never enter the negative with your second chance checking account, you need to monitor all charges and write them down. When you write a check, you make sure you keep a record of it. Some people do not cash checks for weeks, and sometimes it can be easy to forget you wrote a 500 dollar check and that person didn't cash it yet. Then you end up thinking you have an extra 500 dollars in your account and you buy a few things.
The next thing you know, the man or women ultimately cashed the check and you will have 4 fees that put your account in the negative. That's 4 NSF service fees. So with your second chance bank account, you have to be sure you retain an eagle eye on all charges. You won't just build trust with the new bank, but you will get better at controlling your finances.