Have you been able to get a second chance checking account at First Bank?
1 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 a person should have to go through. Due to increasing fees from Non Sufficient Funds fees, it can be difficult to pay the money 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 bank account such as this, they already know 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 issues with other 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 aquire a second chance checking account, and sometimes banks may just take off a couple capabilities to help make certain your bank account does not go into the negative again. Once 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 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.
Next thing you realize, the person finally cashed your check and you now have 4 charges that put your bank account in the negative. That's 4 NSF fees. So together with your second chance bank account, you'll want to ensure you retain an eagle eye on all charges. Not only will you build faith with the new bank, but you will get better at controlling your finances.