I used to have a US Bank checking account, until a few years ago, I let it get overdrawn and eventually it was closed when I didn't deposit enough to bring the balance even. They charged it off eventually and when I called them recently, I spoke to the manager at the branch that I used to go to. She found a record of it, but said I had to call the 800 number to resolve the debt. I called and a representative there gave me the name and number of the collection agency who had aquired the account. I called the manager at the local branch again and she told me if I bring in a letter from the collection agency that it had been paid in full, they'd be happy to open another account for me. I asked if they would use a credit report or chexsystems to verify my information again, and she said neither.
