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.
Getting your checking account straight into the negative and subsequently not being able to pay it back is nothing an individual should have to go through. Due to stacking fees from NSF charges, it could 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 offers you a new bank account like 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 money problems with some 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 obtain a second chance checking account, and sometimes the banks will just take off a couple capabilities to help make sure your account does not go into the negative again. Once you get a fresh start with a second chance checking account, make 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 go into the negative with your second chance 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 know, the man or women ultimately cashed your check so you now have 4 charges that put your bank account in the negative. That would be 4 NSF service fees. So with your second chance banking account, you need to be sure you keep an eagle eye on all expenditures. You won't just develop confidence together with your new bank, but you will get better at controlling your hard earned dollars.