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.
Getting your checking account directly into the negative and subsequently not being able to pay it back is nothing someone should have to go through. Having increasing fees from NSF charges, it might be hard to pay the cash back. If you are having problems getting a new checking account, you need to get a second chance checking account.
Whenever a bank offers you a new bank account similar to 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 have got financial troubles with other banks, 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 banks may simply take off a couple capabilities to help make sure your account doesn't go into the negative once again. Once you get a new 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 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 person eventually cashed the check and you will have 4 charges that put your accounts in the negative. That would be 4 NSF fees. So with your second chance checking account, you should make sure you retain an eagle eye on all charges. You won't just build trust along with your new bank, but you will get better at taking care of your money.