Second Chance Checking Blog

The Ready Debit Prepaid Visa Card was created as an alternative for the 80 million under banked or un-banked Americans and is a perfect alternative to a checking account or high fee second chance checking account. The Ready Debit Visa Card was founded by former executives of Capital One specifically to serve the under banked Americans and offers some of the most flexible prepaid card terms available. One of the best features is the ability to instantly get an account and routing number after account set up. Check out the benefits of the Ready Debit Prepaid Visa Card below

• The ability for the user to obtain a routing number & account number instantly!
• Easy payroll direct deposit sign up!
• No over draft fees
• No bounced checks
• Direct deposit your paycheck or social security benefit checkFree online bill pay with monthly direct deposit
• Send checks or payments with online bill pay
• Withdraw cash at ATMs or get cash back with purchases
• No credit or ChexSystems checks

As you can see the benefits of the Ready Debit Prepaid Visa Card excellent and are better than comparable with a lot of the second chance checking accounts being offered. If you are tired of bounced checks, outrageous fees, and ready to have better control of your money, the Ready Debit Visa Card is your card. Apply Now

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If you have been denied a checking account, it is due to either bad credit or you have been added to the ChexSystems database. While the bad credit is self explanatory, you may not know about ChexSystems. ChexSystems is a database of individuals that have written bad checks or worse and unfortunately, ChexSystems is unforgiving.

If your name is listed in the ChexSystems database, then you will find it difficult (if not impossible) to open a checking account. Life with out a checking account can be tough. You will find it difficult to pay bills, deposit your pay check and you will end up paying exorbitant cash checking fees.

So what is a consumer to do? Well fortunately there are banks that offer second chance checking accounts to consumers who are listed in ChexSystems. For most banks or credit unions, you will need to repay the debt that caused you to get listed and clear up any other discrepancies that you may have. While there is not a guarantee, you should be able to find a bank for you. Click here for a free directory of second chance checking banks.

As you have discovered, there are banks that offer second chance checking. However, just because a bank offers a second chance checking account does not mean that you will get approved. While we can not guarantee approval due to the individual business needs of each bank, we believe the following will help your approval chances.

• Make sure that all debts to all banks that you have done business with in the past are paid in full and you have receipts.
• Have a copy of your ChexSystems report.
• Make sure that you have a minimum of $150 to open the checking account
• Make sure you have all forms of personal identification including a drivers license (or state issued id) as well as your social security card
• If your work offers direct deposit, make sure you have any forms that your bank will require and the forms for your work as well.
• Consider opening an online savings account before applying for your checking account and have a small amount direct deposited to your account every paycheck. This will show your willingness to find and keep financial stability. HSBC Advance offers a high interest savings account and only requires $1 to get started. Learn more here.
• Open a savings account with the bank you want a checking account with, even if you have an online savings account. Once again this will show your desire to maintain financial stability.

Once again, while we can not guarantee approval the information above should help your chances of getting approved for a second chance checking account.

If you are like many of your fellow Virginian’s, you have undoubetly found your self listed in ChexSystems. Whether or not the listing is correct, one thing is for sure; getting it removed is impossible and the damage is relentless. If you are in Virginia and you need second chance checking, you are in luck. There are banks in Virginia that offer second chance checking accounts and while they may not be advertised, they do exist. If you need a checking account and reside in Virginia, click here for a list of banks offering second chance checking accounts in Virginia.

If you live in Texas and are in need of a checking account, but have been listed in ChexSystems or other reporting agencies then you know the frustrations many of your fellow consumers face. Being listed in ChexSystems makes it almost impossible to get a checking account and makes managing your money a daunting task, however there are banks in Texas that offer second chance checking accounts. While these accounts may not be listed as second chance checking, they do exist and are available at many local Texas banks. Ready to get your new checking account? Click here to get a free listing of banks offering Second Chance Checking Accounts in Texas.