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.
Having your bank account directly into the negative and then not paying it back is nothing someone should have to experience. Having increasing fees from NSF fees, 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.
When a bank gives you a new checking 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 may have financial troubles 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 will get a second chance checking account, and sometimes the banks will just take away a couple capabilities to help make sure your account doesn't get into the negative again. When you get a new start with a 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 never go into the negative with your new 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.
Next thing you realize, the person ultimately cashed your check so you now have 4 fees that put your account in the negative. That would be 4 NSF service fees. So with your second chance bank account, you need to be sure you keep an eagle eye on all charges. Not only will you build trust along with your new bank, but you can get better at handling your hard earned dollars.