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 directly into the negative and then not being able to pay it back is nothing a person should have to experience. With stacking fees from Non Sufficient Funds fees, 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.
When a bank gives you a new checking account like 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 personal problems 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 the banks will simply take off a few capabilities to help ensure your account does not get into the negative once again. Whenever you get a new 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 enter 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 man or women ultimately cashed the check so you now have 4 fees that put your accounts in the negative. That's 4 NSF fees. So with your second chance banking account, you'll want to be sure you retain an eagle eye on all expenditures. Not only will you develop faith along with your new bank, but you can get better at controlling your money.