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Do you need a bad credit checking account? You are not alone. Did you
know that as of 12/9/2009 there were almost 60 million underbanked or
unbanked Americans? That is almost a whopping 20% of our country that
does not have a checking account and/or a savings account. Why so many
people with out a checking and/or savings account? Simple, bad credit.
You see our recent financial crisis left a lot of people with bad credit
and subsequently with out a way to manage their money. These are people
who normally would not be listed in ChexSystems or have bad credit and
now they are struggling to manage their money and pay bills because they
are in need of a bad credit checking account, but are not sure where to
turn.
Bad Credit Checking Banks is a free consumer resource for people in need
of a bad credit checking account, but are not sure where to turn or what
to do. We researched and put together a free directory of bad credit
checking banks to help you and others like you get a checking account
and/or a savings account. These banks may allow you to open a checking
account regardless of your bad credit and/or current ChexSystems
listing. The listing is arranged by state and each page has the
available bad credit checking banks listed as well as a savings account
option. These are real banks offering real checking accounts with check
writing and debit/atm card privileges. While we can not guarantee you a
checking account, we feel certain these are your best available options.
To get started, choose your state on the right and click the link to be
taken to the bank directory.
What is the difference between a bad
credit checking account and a
second chance
checking account. While the accounts are the same, a bad credit
checking account is specifically for people with a
bad credit
report/history. A second chance checking account is for people who are
listed in the ChexSystems database. While most people in ChexSystems
have some type of credit related issues, this is not always the case and
explains the difference between the two types of accounts.
Your Credit Report - Know Where You
Stand
Before going to apply for a bad credit
checking account, it is a good practice to make sure you know where you
stand as far as your credit report is concerned before applying at one
of the bad credit checking banks listed. The best thing that you can do
is check your credit report so that there will not be any surprises. You
can get a totally free copy of your credit report at
Annual Credit
Report. You are allowed by law to get a copy of your report from all
3 credit bureaus, but please understand that this is a one time deal and
you do not get your credit score. If knowing your credit score is
important, click here. |
Choose Your State
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Tennessee
Texas
Utah
Vermont
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Washington
West Virginia
Wisconsin
Wyoming |