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| Jon Hammond From: San Diego Website: http://nonchexsystemsbanks.net/ E-mail: tony@nawny.com |
A person can lose bank accounts because they are unable to pay back NSF fees or got a lot of fees in the past. With some bank policies, it is not that hard to get a lot of NSF fees in a short period of time. A second chance checking account is a way for people to have a checking account again. A lot of banks actually offer a second chance checking account, and there are banks that offer a guaranteed checking account. When you are not able to get a new checking account, it is because your name is listed on a database of people who have had a bad history with bank accounts. This bad history list is maintained by the company Chex Systems. If you do not try to get your name removed from ChexSystems, it will stay on the Chexsystems list for 5 years. You can get a report that lists all of the items on your record for free by going to the Chexsystems site. Added: March 7, 2010 
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