Have you been able to get a second chance checking account at First Community Bank?
1 people have gotten a Second Chance Checking Account at First Community Bank.
If First Community Bank at 1150 W Main St does not have Second Chance Checking, you can try checking out other banks in Tomball.
Having your own bank account straight into the negative and subsequently not paying it back is nothing somebody should have to go through. With stacking fees from NSF charges, it can be tough 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 offers you 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've monetary 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 may simply take off a couple abilities to help make sure your bank account doesn't go 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 not get 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 man or women finally cashed the check so you now have 4 charges that put your bank account in the negative. That is 4 NSF service fees. So with your second chance banking account, you need to ensure you keep an eagle eye on all charges. You won't just build confidence along with your new bank, but you will get better at handling your dollars.