Category Archives: Second Chance Checking Kansas

Applying for a Bank Account in Kansas with Bad Credit No Credit Check Banks in Kansas, no Check systems bank account, no credit checks, free Checking, free Checks. No Credit Checking, Open a Second Chance Bank Account in Kansas

When you apply for a new bank account in Kansas, some banks will also check your complete credit report and score. The credit check itself isn’t usually the reason banks will deny you a checking account. Banks tend to deny you a bank account, not because you have a bad credit score, but because you bounced checks in the past or still have a negative balance with a previous checking account and have been reported to Chexsystems. Checking Help has a list of recommended national and local banks in Kansas that do not use ChexSystems or check your credit history.

Or, you can open a new bank account online with national banks that do not check ChexSystems, with no credit check & no opening deposit immediately required:

• Scottrade Bank – Open a checking account online with no opening deposit, no monthly or ATM fees, including most cash withdrawal fees charged by another bank. Free checks. Set up direct deposit online or make deposits at a local branch. Scottrade Bank has hundreds of branches nationwide.

• BBVA Compass Bank – Open an online checking account with the new ClearConnect checking account.  The BBVA Compass ClearConnect Checking Account is a free checking account and offers customers the chance to open an online checking account for only $25. Enjoy no monthly service charges, free online and mobile banking, bill pay and online statements. The ClearConnect Checking Account has no ATM fees at any BBVA Compass or Allpoint® ATM. You’ll also receive a BBVA Compass Visa® Debit Card you can personalize with you favorite photo.Second Chance Checking Bank with no credit check and no opening deposit
• Discover Bank – Open a Discover Bank savings account online instantly and earn a rate 5x the National Savings Average with a low opening deposit and access to your cash anytime. Discover Bank also offers its customer the opportunity to open a checking account. You have to have either a Discover Savings account or credit card to open a Discover Bank checking account. Second Chance Banks in Kansas

To prevent terrorism and fraud, the law requires all banks verify your identity in the form of a “soft pull” of your credit report. This means they only access your credit report to check that your name, address and social security number match your checking account application. This is how the bank obtains the information that makes up the random identity confirmation questions during the process of applying for a checking account. A soft pull of your credit report won’t lower your credit score and the bank can’t see detailed information about late payments or bills in collection.

Banks requiring that your checking account is enrolled in overdraft protection, in the form of a bank-issued line of credit will not open a checking account for you if you have bad credit. The bank will conduct a “hard pull” of your credit report, meaning that the credit check itself will lower your credit score by two points. No Credit Check Banks in Kansas with No Chexsystems Checking

Kansas Banks with Second Chance Checking Accounts

Some Kansas Banks specifically offer Second Chance Checking Account programs, which means they’ll open an account for you even if you’re on ChexSystems as long as you’ve already paid any money owed. Some banks have other names for these banking programs, such as “Opportunity Checking” or “Fresh Start Checking.”

To open a checking account through one of these special bank programs you must typically apply in person, and in many cases, the bank requires you take a class on how to balance your checking account and avoid overdrawing your account. Second Chance Banks also tend to charge additional monthly fees. A known second chance bank in Kansas with branches in Wichita, Topeka and Salina is Central National Bank. Central National Bank’s “New Opportunity Checking” account requires a $50 initial deposit and entails a $9.99 monthly service charge. However, New Opportunity account holders who enroll in direct deposit only pay a $7.99 per month fee.

If you don’t have the money available to pay off your old, overdrawn bank accounts, even banks specifically offering second chance checking might not let you open a bank account. Your ChexSystem record stays on file for five years unless the information in ChexSystem’s report is inaccurate and you file a dispute. Even if you pay off your old bank account, you still have to make sure the bank sends a letter to ChexSystems requesting the removal of any negative information. Second Chance Banks in Kansas Open a Bank Account in Kansas with Bad Credit – Banks for Bad Credit in Kansas. Open a Bad Credit Bank Account in Kansas with no Credit Check. Kansas Free Checking Accounts.