Have you been able to get a second chance checking account at First Merit Bank?
1 people have gotten a Second Chance Checking Account at First Merit Bank.
If First Merit Bank at 7021 Harvard Ave does not have Second Chance Checking, you can try checking out other banks in Cleveland.
Getting your bank account directly into the negative and subsequently not paying it back is nothing someone should have to experience. Having increasing 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.
Whenever a bank provides you with 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've got money issues 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 will get a second chance checking account, and sometimes the banks will just take off a few abilities to help make certain your bank account doesn't get into the negative once again. Once you get a fresh start with a 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 never 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.
The next thing you know, the man or women eventually cashed your check and you will have 4 charges that put your account in the negative. That would be 4 NSF fees. So along with your second chance bank account, you'll want to make sure you retain an eagle eye on all expenditures. You will not only create faith with your new bank, but you will get better at controlling your hard earned money.