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.
Having your checking account straight into the negative and subsequently not paying it back is nothing a person should have to experience. With increasing fees from Non Sufficient Funds charges, it can be tough 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 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've got financial problems with different 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 can aquire a second chance checking account, and sometimes the banks will simply take off a few abilities to help make certain your account does not get into the negative once again. When you get a fresh start with a 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 not go into the negative with your new 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.
Next thing you know, the person eventually cashed your check so you will have 4 fees that put your account in the negative. That is 4 NSF service fees. So together with your second chance banking account, you should be sure you keep an eagle eye on all charges. You will not only develop trust with the new bank, but you will get better at managing your hard earned dollars.