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 checking account into the negative and then not being able to pay it back is nothing somebody should have to experience. With stacking fees from Non Sufficient Funds fees, it could 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 provides you with 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've got personal troubles with some other banks, 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 just take off a couple abilities to help ensure your account doesn't get into the negative again. When you get a new 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 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 person ultimately cashed your check and you will have 4 charges that put your bank account in the negative. That could be 4 NSF service fees. So along with your second chance bank account, you need to be sure to retain an eagle eye on all expenditures. You won't just develop faith with the new bank, but you will get better at managing your hard earned money.