Have you been able to get a second chance checking account at PNC Bank?
1 people have gotten a Second Chance Checking Account at PNC Bank.
If PNC Bank at 6070 Montgomery Rd does not have Second Chance Checking, you can try checking out other banks in Cincinnati.
Having your checking account straight into the negative and then not paying it back is nothing an individual should have to go through. With stacking fees from Non Sufficient Funds 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.
When a bank gives you a new account such as 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 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 obtain a second chance checking account, and sometimes banks will simply take off a few capabilities to help ensure your bank account does not go into the negative once again. When you get a fresh 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 enter 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 person eventually cashed the check so you will have 4 fees that put your accounts in the negative. That's 4 NSF charges. So together with your second chance checking account, you should be sure to retain an eagle eye on all expenditures. You will not only build confidence with the new bank, but you will get better at managing your dollars.