There is a growing epidemic in the United States today and it’s not being talked about as heavily as the stock market, recessions, and credit cards woes. This epidemic is the un-banked community. There are millions upon millions of customers that are living with a checking account or simply can not get a checking account because they have bad credit or are caught in a tangled web of chex-system reporting.

For those of you unfamiliar with chex systems here is a brief intro. Much like a credit rating you have a rating that goes hand in hand with your checking account and check writing ability. If you abuse this by writing back checks then you will get negative marks on your checking account. Over time if you accumulate a good number of them the bank will shut down your account. When your checking account has been shut down you are vital information is placed in chex systems and you will have a tough time getting a new bank account because of your history.

This is one of the biggest reasons that consumers do not have checking accounts today. Luckily for them there is are a new breed of checking accounts out there that look past those mistakes in the past and offer the consumer what is known in the industry as a second chance checking account.

Sound too good to be true? Well it’s not! There are a companies out there that offer second chance checking accounts to consumers regardless of their credit rating or chex systems status. There are limitations within these accounts such as no check writing privileges but you are still giving a checking account and your very own check card to use again.

Some of these companies claim they are second chance checking accounts but in fact are just prepaid debit cards that give you a routing number and account number but can’t be readily used as well as a checking account. After scouring the net over the years I have come across the one company that truly gives you a second chance checking account that is FDIC insured. They approve 100% of their clients that pass the Patriot Act and have valid information.  The process is easy to go through and at the end of the process you become one of the everyday banked customers that you see around you all the time.

I managed to talk to the company and get a few testimonials for their clients regarding their services and wanted to share them with you so you can get a sense of how easy it was to get a second chance checking account and start living a normal life again. Not worrying about getting a credit card because you now have your very own check card that you can use at a million different locations like you would any other credit card.

Jerry C. in Dallas, TX wrote:

“I had been contacting banks all over the place to see if i could get a checking account but no one would help me out. They said because of checks that I had written in the past they couldn’t extend a bank account to me and were sorry. I searched and searched online and one of them gave me all the options of a true checking account like this company. Getting a second chance checking account was the easiest process with them and I didn’t have to do much work. After about 5 minutes online I was approved and ready to go. I will not need another service after finding this one. Thank you!”

Mary N in Tulsa, OK wrote:

“There wasn’t any way this process could get any easier. I was able to get in and out of the site with a bank account. Within a couple days I recieved my check card and loaded my account and was one my way. I easily transfer money into my second chance bank account through a number of ways including direct deposit from my paycheck. It couldn’t get any easier that this.”

Jeramiah in Bakersfield, CA wrote:

“I had looked at a host of other options for my second chance checking account but the fees on them were crazy. I checked out this company and saw that the fees were much more reasonable then all the other second chance checking account out there so I took a chance and couldn’t be happier. You will definitely not regret getting this second chance checking account.