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.
Having your own checking account directly into the negative and then not being able to pay it back is nothing someone should have to experience. Having increasing fees from Non Sufficient Funds fees, it might 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.
Whenever a bank offers you a new bank 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 personal 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 can aquire a second chance checking account, and sometimes the banks will simply take away a few capabilities to help ensure your account doesn't go into the negative once again. Whenever you get a new 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 never go into 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 ultimately cashed your check so you will have 4 fees that put your bank account in the negative. That is 4 NSF charges. So together with your second chance banking account, you'll want to make sure you keep an eagle eye on all charges. You won't just develop trust together with your new bank, but you will get better at handling your dollars.