How long does a person remain in chex system? A friend of mine got in to a bad situation with the bank through payday loans 10 of them. They have overdrawn the account by $2,500 through fees (banks and pdl fees), needless to say the bank closed the account. My friend tried to open an account at a different bank, but was turned down. I suggested a secured pre-paid debit card would have to do for a while. :?: :?: