Second Chance Checking, First Merit Bank, Cleveland, OH

Find a new account for people on Chexsystems in Cleveland OH

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First Merit Bank, Cleveland, OH

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.

Banking Tips

Getting your bank account straight into the negative and then not paying it back is nothing a person should have to experience. With increasing fees from NSF charges, it might be hard 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 gives you a new checking 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 financial problems 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 will just take off a few capabilities to help make sure your bank account does not get into the negative again. When you get a new 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 go into 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 know, the man or women finally cashed the check so you now have 4 charges that put your account in the negative. That is 4 NSF charges. So along with your second chance bank account, you have to be sure to keep an eagle eye on all charges. You won't just develop confidence with the new bank, but you can get better at controlling your hard earned dollars.

 

First Merit Bank

7021 Harvard Ave

Cleveland, OH

(216) 341-3939


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