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

Having your own checking account into the negative and subsequently not being able to pay it back is nothing an individual should have to go through. With increasing fees from NSF fees, it might be hard to pay the cash 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've got money issues with some 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 can aquire a second chance checking account, and sometimes banks will simply take off a couple capabilities to help make certain your account does not go into the negative once again. Once you get a fresh start with a second chance 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 enter 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 realize, the man or women finally cashed your check and you now have 4 fees that put your account in the negative. That's 4 NSF service fees. So together with your second chance checking account, you need to be sure you retain an eagle eye on all expenditures. You won't just create confidence with the new bank, but you will get better at managing your dollars.

 

UMB Bank

1310 Carondelet Dr

Kansas City, MO

(816) 860-7800


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