Second Chance Checking, UMB Bank, Kansas City, MO

Find a new account for people on Chexsystems in Kansas City MO

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UMB Bank, Kansas City, MO

Have you been able to get a second chance checking account at UMB Bank?  

0 people have gotten a Second Chance Checking Account at UMB Bank.

If UMB Bank at 1310 Carondelet Dr does not have Second Chance Checking, you can try checking out other banks in Kansas City.

Banking Tips

Getting your checking account straight into the negative and then not being able to pay it back is nothing somebody should have to go through. Having increasing fees from NSF charges, it can 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.

Whenever 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 personal issues with some 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 can obtain a second chance checking account, and sometimes banks will simply take off a couple abilities to help ensure your bank account doesn't go into the negative once again. Once you get a fresh start with a second chance checking account, make 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 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 charges that put your bank account in the negative. That would be 4 NSF charges. So together with your second chance checking account, you should be sure to keep an eagle eye on all expenditures. You won't just build trust along with your new bank, but you can get better at taking care of your hard earned dollars.

 

UMB Bank

1310 Carondelet Dr

Kansas City, MO

(816) 860-7800


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