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 own checking account straight into the negative and then not paying 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.
When a bank offers you a new checking account like 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 money problems 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 the banks may simply take away a couple abilities to help ensure your bank account doesn't get into the negative again. Whenever you get a fresh start with a 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 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.
Next thing you realize, the man or women ultimately cashed the check so you now have 4 charges that put your bank account in the negative. That could be 4 NSF charges. So along with your second chance bank account, you need to be sure you keep an eagle eye on all expenditures. You will not only create trust with the new bank, but you will get better at handling your money.