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 checking account directly into the negative and then not paying it back is nothing an individual should have to experience. With stacking fees from NSF fees, it can 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 bank account similar to 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 troubles with different 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 may just take away a few abilities to help make certain your account doesn't get into the negative 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 not 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.
Next thing you realize, the person finally cashed the check so you will have 4 fees that put your accounts in the negative. That is 4 NSF charges. So along with your second chance bank account, you'll want to make sure you retain an eagle eye on all charges. You won't just create confidence with your new bank, but you will get better at managing your hard earned money.