Have you been able to get a second chance checking account at Union Bank?
2 people have gotten a Second Chance Checking Account at Union Bank.
If Union Bank at 1101 Market St does not have Second Chance Checking, you can try checking out other banks in San Diego.
Having your bank account into the negative and subsequently not paying it back is nothing a person should have to go through. Having increasing fees from NSF fees, it might be difficult 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 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 may have monetary issues with other financial 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 obtain a second chance checking account, and sometimes banks will just take away a few abilities to help make sure your account doesn't go into the negative once again. When you get a fresh start with a 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 get into the negative with your 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.
The next thing you realize, the man or women eventually cashed the check so you now have 4 fees that put your account in the negative. That could be 4 NSF fees. So together with your second chance bank account, you should be sure you keep an eagle eye on all expenditures. You won't just build trust with the new bank, but you can get better at taking care of your money.