![]() ![]() They offer 5,400 branches and 13,000 ATMs. If access to a physical branch is a must for you, Wells Fargo is the best choice on this list. The $5.00 monthly maintenance fee is waived for customers age 13 to 24 years old. Free budget tools on Wells Fargo Online.No overdraft or insufficient funds fees.However, you will have to get a debit card, access to online bill pay, and the ability to set up over-spending alerts. With this account, you can't write checks. Wells Fargo Clear Access Banking SM offers second-chance features from a traditional brick-and-mortar bank. Chime has an "A" rating with the Better Business Bureau (though is not accredited) and all deposits are FDIC-insured up to $250,000. Plus, you can set up direct deposit and get your paycheck two days earlier. You'll always know where your account balance stands. To avoid overdrafts, you can turn on balance notifications and instant transaction alerts. Access to mobile banking on the Chime appĬhime is completely free to use and offers special features to help you manage your money.Zero overdraft or insufficient fund fees.Their banking services are provided by The Bancorp Bank or Stride Bank, which means your money is still FDIC-insured. It's an online banking platform built by a tech company. If you are denied due to your ChexSystems score, you have two options: Use a bank (or non-bank) that does not use ChexSystems or use a specific second-chance account.Ĭhime is a good option if you're looking to avoid ChexSystems altogether.Ĭhime itself isn't a bank. It takes time, but you can rebuild your financial reputation with awareness and good behavior. Review your monthly statement for duplicate or incorrect charges.Check your balance regularly with mobile banking.Open a new checking account using one of the options below.If your banking behavior is the reason, there are some steps you can take to improve your ChexSystems score. This can help you'd determine if your identity was stolen. If you've been blacklisted due to no fault of your own, check your credit report and request your ChexSystems FACTA report. ![]() Some of the banks that use ChexSystems include: Approximately 80% of banks in the United States rely on ChexSystems to determine whether you can open a checking account.
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