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 own bank account straight into the negative and then not being able to pay it back is nothing somebody should have to experience. With stacking fees from NSF charges, it can 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.
When a bank provides you with a new 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 have personal troubles with different financial 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 will just take off a couple abilities to help make certain your bank account doesn't 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 not enter 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 and you now have 4 charges that put your bank account in the negative. That's 4 NSF charges. So with your second chance banking account, you should be sure you retain an eagle eye on all expenditures. You will not only build trust with the new bank, but you will get better at handling your dollars.