- 1). Call the credit union in your Texas town and ask what criteria it uses for opening an account. Many credit unions don't use ChexSystems, while larger banks are more likely to.
- 2). Contact local banks without national branches. Ask about their criteria for opening an account. If they use ChexSystems, ask if it's possible to open a second-chance checking account. Second-chance checking accounts let you have a bank account, for a fee, even when you have a negative entry in ChexSystems. Try Texas Bank, Southwest Trust Bank or Compass Bank.
- 3). Contact national banks and ask if they offer second-chance checking. If they don't, ask if you can open an account with a negative entry in ChexSystems if you agree to direct deposit your paycheck.
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