Bestbank is a good bank to go to

[KYBOSH]

Sister had a horrible run of luck with checking accounts in the past.

 

Mostly due to her stupidity and stubbornness (we all warned her but...) managed to overdraft 3 checking accounts. Got herself chargedoff on all 3, collection accounts on all 3 and chexsystems on all 3. This was about 2 years ago. Now I am feeling sorry for her as I think she has learned the error of her ways. I am helping her (help herself.... with advice) get back on track. Got her a list of banks that dont sweat chexsystems too tough.

 

Bestbank is located in just about every Kroger store that there is not a Bank of America already there.

I told her that ChexsystemSux says that Bestbank is a good bet.

 

She called up there and the lady on the phone told her they use Chex.

She called me back discouraged but I told her to go up there and told to the manager and tell her her situation. I explained to her that they will only really deny you if you have notations of check writing fraud on your file. (this is what I heard from another bank manager back in the day when I was having trouble getting an account). She took my advice and came back with a checking account.

 

Told her to go back and get a savings account, deposit $50, link it with overdraft protection and forget about the $50. It will be her backup so she will never have to worry about overdraft fees again.

 

http://www.bestbank.com/

Edited October 21, 2008 by KYBOSH

[KYBOSH]

Forgot to mentions she is also listed on Certergy and the other one too.

[mca]

yes Best bank can be a good one. They are on my list as well.

 

-they use chexsystems but have a New Opportunity Checking for those on chexsystems.

-I called the 800 number and I was told that if you do not owe any debt and your report shows as paid or you have proof that it is paid by a letter from the reporting bank that you may be able to open a regular checking there.

-If you still owe, then they have an account called New Opportunity Checking. You must have been on chexsystems for at least one year, FRAUD IS NOT REPORTED ON THE ACCOUNT , AND THERE ARE NOT NUMBERS BANKS OWED MONEY

There is no charge for this account, it is free, checks for the life of the account are free as well.

[KYBOSH]

She actually got the regular checking account even though she still has a balance showing on Chexsystems. I was pretty impressed with this bank and how they gave my sis a second chance where others would not. I will personally make sure she lives up to her part of the deal.

 

If I didn't have relationships with 5 banks already I would get one myself.

But i hear they have a saver's account for children so I might go ahead and open one for my seeds.