Have you been able to get a second chance checking account at Wachovia Bank?
0 people have gotten a Second Chance Checking Account at Wachovia Bank.
If Wachovia Bank at 3529 Thomasville Rd does not have Second Chance Checking, you can try checking out other banks in Tallahassee.
Having your bank account straight into the negative and then not being able to pay it back is nothing an individual should have to experience. Due to stacking fees from NSF fees, it might be tough 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 got money issues 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 the banks may just take away a couple capabilities to help ensure your account doesn't get into the negative again. Once 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 get into the negative with your new 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 finally cashed your check and you will have 4 fees that put your accounts in the negative. That is 4 NSF fees. So along with your second chance banking account, you'll want to be sure to keep an eagle eye on all charges. Not only will you build confidence with the new bank, but you can get better at controlling your hard earned money.