To those of you who can't get a bank account

United States
September 25, 2007 1:46pm CST
A couple years ago when I lived in PA with my boyfriend we got into some pretty bad debt. Our bank account got overdrawn hundreds of dollars, and needless to say, our account got closed. We've been working on paying it back all this time but we can only do so much. I did some research and the reason neither of us are "allowed" to have a bank account is because all the banks run a check through ChexSystems. When our name comes up, it means the bank is not allowed to let us open one. This is going to go on until we can fully pay it off, and it's SO frustrating not being able to have a bank account, any kind of savings, credit card, or even a debit card! So, in my research, I came across an online bank account that does not use ChexSystems, meaning, anyone can open an account through them. I've been using this account for about 4 months now and I LOVE IT! It's a Mastercard debit, but I guess now they have Visa's available as well. If anyone needs to open themselves a bank account or have been denied an account in the past, please contact me and I'll set you up with an account (it's free and you can make your first deposit whenever you like). It's great, because now I have a saving account, and was able to get myself verified on Paypal! I'd love to help out anyone that needs it who has been in a similar situation, just let me know!
1 person likes this
1 response
@maddie007 (141)
• United States
25 Mar 10
I think I know which one you are talking about, I love it too! We don't need banks anymore.