Have you been able to get a second chance checking account at Salin Bank?
1 people have gotten a Second Chance Checking Account at Salin Bank.
If Salin Bank at 6433 E State Blvd does not have Second Chance Checking, you can try checking out other banks in Fort Wayne.
Getting your checking account straight into the negative and then not being able to pay it back is nothing somebody should have to experience. Due to stacking fees from NSF charges, it can be tough to pay the cash 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 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 got money problems 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 just take off a couple abilities to help make sure your account does not go into the negative once again. Whenever you get a fresh 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 get 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 know, the person ultimately cashed your check and you will have 4 fees that put your account in the negative. That's 4 NSF fees. So with your second chance bank account, you have to be sure you keep an eagle eye on all expenditures. Not only will you build trust with the new bank, but you will get better at managing your finances.