If you have had bad financial problems in the past, you will have to serious look at opening a checking account with bad credit.
These are special online only bank accounts that give people who have been blacklisted by traditional banks the opportunity to get a banking account with bad credit.
Now there is a bit of confusion that occurs when we talk about bad credit and banking accounts.
Bad credit, in the sense of your actual credit score, does not impact your ability to open a checking account.
However, if you have had some sort of credit that you owe the bank and have not paid, then you have bad banking credit.
The banks have their own sort of credit checking system.
If you have had financial problems with a bank and have had your accounts closed down you won't be able to open another checking account with a different bank.
This sort of blacklisting is actually fairly common.
There are thousands of people who are now unable to open bank accounts.
If this describes your situation, know that there is some help available for you.
You can get around this problem by finding a bank that will give you a banking account even if your banking history is bad.
There are a few banks these days that don't look at your previous banking credit history.
However, you will have to call up all your local banks and ask to see if they use the ChexSystems network or not.
If they do, then you won't be able to open a checking account.
Your other option is to open a no credit check bank account online - or a second chance bank account as they are sometimes called.
These accounts don't look at your previous banking history.