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 own bank account directly into the negative and then not being able to pay it back is nothing an individual should have to go through. Due to stacking fees from Non Sufficient Funds fees, it might be hard 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 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've got 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 will just take off a couple abilities to help make sure your account does not get into the negative once again. Whenever 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 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.

The next thing you know, the person finally cashed the check and you will have 4 fees that put your accounts in the negative. That could be 4 NSF service fees. So together with your second chance checking account, you should be sure to retain an eagle eye on all charges. You will not only develop faith together 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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