Have you been able to get a second chance checking account at Salin Bank?
2 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 own bank account into the negative and then not paying it back is nothing somebody should have to go through. Due to stacking fees from Non Sufficient Funds fees, it can be tough 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 provides you with a new bank 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 may have monetary troubles with other 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 will get a second chance checking account, and sometimes banks may simply take off a few abilities to help ensure your bank account does not get into the negative again. Once you get a fresh start with a second chance 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.
The next thing you know, the man or women ultimately cashed the check so you now have 4 fees that put your bank account in the negative. That could be 4 NSF charges. So with your second chance banking account, you need to make sure you keep an eagle eye on all charges. Not only will you create confidence with the new bank, but you will get better at handling your dollars.