Have you been able to get a second chance checking account at Wachovia Bank?
1 people have gotten a Second Chance Checking Account at Wachovia Bank.
If Wachovia Bank at 444 Liberty Ave, #1400 does not have Second Chance Checking, you can try checking out other banks in Pittsburgh.
Having your own bank account straight into the negative and subsequently not being able to pay it back is nothing someone should have to go through. Having stacking fees from NSF charges, it might be difficult 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 checking account like this, they know that 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 got financial troubles with some 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 aquire a second chance checking account, and sometimes banks may simply take off a few capabilities to help make certain your bank 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 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.
The next thing you know, the person finally cashed the check so you now have 4 charges that put your bank account in the negative. That would be 4 NSF service fees. So with your second chance checking account, you need to be sure you retain an eagle eye on all charges. Not only will you build trust along with your new bank, but you will get better at taking care of your hard earned money.