Really feeling down.........HELP!

I wish I could offer some advice but I don't know anything more about checking accounts than you have already encountered. I did just want to tell you to hang tough - I'm sure someone will come along with a solution for you - Until then even though it may not feel like it - just know you aren't alone and we are all pulling for you.

Thanks! That's why I post here. Just knowing someone will respond and I'll have people to talk to about this mess makes it better. There is nobody else in this world I can talk to about any of this except my husband. Nobody else knows.

bflow, I saw a post joshua put on here at one time trying to find that one internet banking account info. Maybe he can help regarding that. If you have to go the internet banking route, then so be it. There are guys where I work that have on-line accounts. They get ATM cards and checks. All the normal stuff. They just don't have a physical bank to go to. They don't seem to have any problems with it. I don't remember the names of the banks. I could try to look them up at work and see if I can find out name info. for you. But maybe joshua can answer you regarding it. Whichever, I'm going to look anyway. I'll try to find a name. Don't dispair. There's a bank somewhere. Lord, there has to be. Take a breather & try to rest some. We'll see if someone else can post some info. on banks or maybe joshua will come along and read. But meanwhile I'll try to get the name of the internet banks the guys at work use. Don't dispair, bflow. We're here for you.

Read this thread bf...

http://www.debtconsolidationcare.com/paydayloan/accountnow.html

Good Luck,
Ang

Bflow, here is the original thread with the online bank info. I know jamesscarlet7 has used it with success.

http://www.debtconsolidationcare.com/forums/about11074.html

I'm sorry to hear all about the bank troubles! Hey, but at least you have the money now instead of paying those pdls! :lol:

Yep, you are right. We are on our way to recovering from past due bills, cancelled car insurance, hell, you name it we've had it done since the PDL nightmare began. But, we are climbing our way out. It is a slow process. When you get so far behind, it's not soooo easy to get caught up is it?

You go, joshua! :D We can always count on you! I'm hoping bflow can do this on-line thing. Apparently they don't do checks of past bank accounts? Hell, I might look into something like that myself if my bank "turns on me"! LOL! Thanks, joshua! I hate to always throw your name out - but you usually end up helping! :D

We have a regular checking acct but do all of our bill paying electronically... this seems to be the same thing!! And we pay about the same per month to be able to use electronic banking! I find it easier and so much less of a hassle than sitting down and writing bills out! Also, it is a LOT easier digging urself into the hole than pulling urself up out of it but it IS possible! Keep fighting!
Check it out bf, ul probably like it!
Ang

Thanks, cannr! I try my best. You sure cheered me up with your kind words! I was having a hellish day today! argh..just really stressed out about pulling myself out of the hole myself now. I might have to find a part-time job for a little while myself to catch up. It does seem to take a while to get out, but I cannot get another pdl to make things better (that is my Mid-year's Day resolution!)

So far my bank accounts are ok. I just need to get one for my fiance when he gets another job, so that's why I needed to find out which banks don't use ChexSystems for his sake.

Good mid-year resolution Zen! I've had a hell of a day also! Passed 2 yellow lights with cameras... SIGHS... will see in a week if i get 2 tickets at $125 a piece...
SIGHS AGAIN,
Ang
Happy Monday! :(

But bf this is JUST like a bank! He can have his check direct deposited into the acct and pay his bills electronically! Even gets an ATM card!
Check it out,
ANg

I will definitely check it out. Thanks everyone! I guess this topped off with work crap.... :twisted: is enough to stress us out! I get a day off during the week and I usually wait til Thurs to take it, shoot, I'm taking tomorrow, that's how bad today was!

Well after all it IS Monday! (YUCK, I hate Mondays) and i had one too! Must be going around today!
Here's to better days ahead!
Cheers,
Ang

Too bad we don't live closer to each other...we could have had a "Screw You Monday Margharita night" !!!hehehe

I sure hope so, Ang. Many more days like today and I'm not gonna make it through. All day long I deal with insurance problems from 650 employees and today I was ready to lock my door!!! I had back to back problem or employees going out on FMLA leave...UGHHH!! I was soooo ready to scream!!!

Oh Joshua, you don't know how tempting that would be if we all lived near one another!!!!!

joshua, I'm all up for a Monday Margarita Night! Hell, can't we just meet in one state that's in the middle? LOL! :P

How about we just time it and all have a margarita at the same time? That's probably the only way it'll happen guys.... :wink:

I'm game! Count me in! :D
Just thinking of it makes my mouth water! ha ha
Ang

We don't have an account with a bank either. We cash our checks at the Local Winco grocery store when our checks are $1000 below. When we get paid and it is over $1000 we go to a check cashing place-you know the ones that also give cash advances(I thought that was all they did) but found out they cash checks also with 2 forms of ID and good contact number. The fees range from $2.00 to $26.00 depending on how much you get paid. Or, just go to the bank that the check is written out from-that is if there is one in your area. Hope this helps out. Also, some of the cash advance places gives you free money orders for your bills. They also have the prepaid Credit Cards available. Hope this helps out some.

Thanks Leandram21! I appreciate the information. This past week was my first experience with no bank account and I had to get a money order for rent. No big deal, right, well, I get off too late to go to the bank or post office, Kroger customer service isn't open until 8am (I have to be to work at 7:30), three little stores in my town that I stopped at looked at me like I was a frickin idiot when I asked if they sold money orders and finally I found a store. OMG>>>> it was hell! But, now I know where I can get them, so, next time won't be as crazy!!! I really need a bank account with a debit card...I have a trip to Florida to acquire my youngest son from my parents and in order to do that I need to rent a car back. I am shuttling my oldest sons little car down but need to rent a car back, LOL! No credit card makes that very difficult!

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I think Wal-Mart or Walgreen's have pre-paid debit cards you can buy with cash, and then you use them just like you would a credit card.

bflow - do you have a US Bank near you? I remember seeing an add about them they they do not care about Chex. It's a second chance account, they call it.

I know there was a thread around here that pointed out the banks that use and don't use Chex. US Bank came off my head, but there are others.

Yeah, US Bank does a second chance account. Bflow has already looked at the list, but there isn't anything yet that will work for her . . . . I'm still looking, so hopefully I will find something soon!

Have you tried Bank of America? I have severe issue with payday loans and they approve we for an account. If you have not tried it already good luck and god bless

BofA won't admit it right now, but they are letting almost anyone open an account online . . . . . They claim you can't if you have a chex report unpaid under 3 years old, but that is crap because i know a lot of people that have opened accounts with them with no problems.

THANKS EVERYONE FOR ALL THE HELP WITH THIS. I did it. I drove the 60 miles today to make the opening deposit at Wachovia. I now have a checking account.....YAHOO!!!! Checks and check card have been ordered, so we are on our way....
Question though, until my husband can come in himself they won't add him to the account. Any idea if it will matter if the account is only in my name for direct deposit?

I don't think it does, but I'd ask his employer just to make sure . . . .

I know the bank said they don't care who deposits into your account, boy I KNOW THAT all too well!!!
I'm going to call him and tell him to ask them.