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Posted: Mon Jul 16, 2007 7:29 pm Subject: Really feeling down.........HELP!

It's been a really bad day. Still searching for a bank. Nothing is close to me that doesn't either use Chex or do a credit check, neither of which I can pass at all. This past week was the first sample we had of NOT having a bank account and it really sucked bad. The only plus was that we had our checks for once.
If anyone can do a search for a bank with no chexsystems verification in my area or credit check, I am located around Winchester, Decherd or Tullahoma, TN. I appreciate any help with this. I think I have called all there are left to call. LOL!!!! Not sure if I've missed something or not. I'm am physically and mentally EXHAUSTED and don't know where to turn at this point. I may not have a choice but to do that online bank thingy.

Posted: Mon Jul 16, 2007 7:42 pm Subject:

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.

Posted: Mon Jul 16, 2007 7:52 pm Subject:

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.

Posted: Mon Jul 16, 2007 7:58 pm Subject: bflow

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.

Posted: Mon Jul 16, 2007 8:03 pm Subject:

Read this thread bf...

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

Good Luck,
Ang

Posted: Mon Jul 16, 2007 8:08 pm Subject:

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! Laughing

Posted: Mon Jul 16, 2007 8:12 pm Subject:

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?

Posted: Mon Jul 16, 2007 8:13 pm Subject: joshua

You go, joshua! Very Happy

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! Very Happy

Posted: Mon Jul 16, 2007 8:15 pm Subject:

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

Posted: Mon Jul 16, 2007 8:24 pm Subject:

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!)

Posted: Mon Jul 16, 2007 8:26 pm Subject:

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.

Posted: Mon Jul 16, 2007 8:26 pm Subject:

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! Sad

Posted: Mon Jul 16, 2007 8:28 pm Subject:

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

Posted: Mon Jul 16, 2007 8:32 pm Subject:

I will definitely check it out. Thanks everyone! I guess this topped off with work crap.... Twisted Evil

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!