For the people who are having a problem getting a checking account or finding a second chance checking account, you can try to find banks that do not use the chexsystem list. This is another option for someone to take to get a new checking account. When the bank does not use chexsystems, that means that they will not see your record for past history on that list. When you get a second chance checking account, the bank already knows that you have had problems in the past. They will have some guidelines as far as what you need to qualify for a second chance checking.
The other way to get a checking account is to find the banks that do not use the chexsystems list that was just described. About 1 out of 5 banks do not use the chexsystems list. You will find that the non chexsystems banks will be smaller brand banks. That means the big banks like bank of america or Wells Fargo will be using chexsystems. Getting a non chexsystems checking account is your best bet if you cannot get a second chance checking. The reason is because if the bank does not have an option for second chance checking, then they are going to deny you an account.
The slowest way to get a checking account is to drive around going to different banks. It will take a lot of time and gas money if you did it that way. Remember that for the most part, those big banks will be using chexsystems and will do a history check on your old bank accounts.
When you are trying to find a no chexsystems checking account, start by looking at the small banks first. There are some banking institutions online that will be able to offer you a checking account with full privileges.