First I do not know if this is new or not, but now if you apply online for a Wells Fargo Regular Checking and you are not approved it will give you option to open the Opportunity Checking online if your qualify for it. I know in past you could only open Opportunity Checking in the branch.
I had a Wells Fargo checking account like 4.5 years ago and I messed it up being overdrawn 400.00. So I waited about 4 years to try and open again inside branch, they would open the Opportunity Checking in branch, but would be closed within day, this happened twiced. So I have applied online many times as well and got denied flat out. So I called Wells Fargo today and usually they have a profile of you if you have had an account in past. He had a small profile but my date of birth was missing and my SSN number. I have never ever been approved online with Wells Fargo, but today I said what the heck I applied for the everday checking online and was denied, but it said I was qualified for Opportunity Checking, so I continued the process online, use credit card for 25 dollar deposit and know I can log online to new account, But I am being cautious cause it still may be close. I do have accounts with EWS but my chex is clear.
Now Capital One 360 formerly ING DIrect , I had an account with Ing Direct back in 2007 and it was closed due to overdraft. So for few years I been trying to Open a Cap One 360 and denied, I even call Cap One 2 years ago and they said I would not be able to open one . So I took it on myself about 2 weeks ago to call Cap One 360 and try to open on phone, he said I need to update your profile and and transfer you to Security Department to update info as well. Security asked me a few questions and updating my profile, and she said go online and try to apply again. So I did apply again and it was opened instantly. I have had my debit card for about 2 weeks now.
so sometimes if you have had an account with a bank and are getting denied, you might want to check out to see if they have a profile one you that needs updated, cause any mismatch of info while trying to open online will get you denied.