Have you been able to get a second chance checking account at First Bank?
2 people have gotten a Second Chance Checking Account at First Bank.
If First Bank at 701 B St, Ste 150 does not have Second Chance Checking, you can try checking out other banks in San Diego.
Getting your checking account directly into the negative and then not paying it back is nothing someone should have to experience. Due to increasing fees from Non Sufficient Funds fees, it could be difficult 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 provides you with a new checking 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 have got financial troubles with different banking institutions, 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 can obtain a second chance checking account, and sometimes banks will simply take off a few capabilities to help ensure your bank account does not get into the negative again. When you get a fresh start with a second chance checking account, be sure that 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 go into the negative with your bank 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 realize, the person ultimately cashed your check and you now have 4 fees that put your accounts in the negative. That is 4 NSF charges. So along with your second chance bank account, you have to ensure you retain an eagle eye on all expenditures. Not only will you build confidence along with your new bank, but you can get better at taking care of your hard earned dollars.