2nd chance bank accounts give you a easy way have use a bank like most normal people, even with bad credit.
If you are listed in ChexSystems, or TeleCheck, you do not have to worry, because this accounts give you exactly that, a "second chance".
These are made for people who had credit history and bank account problems in the past.
If you are like this, you may have realized the difficulty in opening a bank account, especially recently with all the financial turmoil going on.
2nd chance banking also means you may be required to pay minimum monthly or yearly fees.
This gives the bank some security in knowing you likely will not screw up.
Normally they offer these accounts knowing that you have bad or no credit and you need to act like a responsible adult.
Opening 2nd chance bank accounts is pretty painless, especially if done online.
You will find that with the internet, you can search through many, many banks to find the cheapest deal available.
Make sure to keep an eye on those fee sheets though! Bad credit, no credit, or just a history of bad checking history does not mean you can never have a banking account again.
With this 2nd chance account, just be sure to keep an eye on your daily balances and be more responsible overall.
In some cases, your history may not have even been your fault, but you are still going to have to prove you are more mature and can handle this on your own.
Only then, will you be able to have a normal banking account.