former lurker needs help

:( Hi I was a lurker on the other chexvictims site for quite a while before it closed down. To tell the truth I found this site by searching for MCA because I felt that she was helping me to find the strength to open another bank account. I'll try to be as brief as possible with my story.... In December, 1999 my husband and I were notified by our bank that our checking acct. was being closed. Don't remember the exact wording but we had outstanding nsf chgs. totaling about $750. My husband had just been diagnosed with cancer, prior to that our medical bills got way out of hand with no insurance and trying to find out what was wrong with him. I don't remember any mention of Checksystems in the bank letter, but around Jan. 2000 we tried to open another acct. with different bank and were denied due to a "problem with another bank", they did not know what it was. Consequently, we have used check cashing places since or my daughter's account (signing checks over to her). My husband did pass away in June, 2007. I guess my real question is whether I would have a chance in hell of opening an account with a bank now as I am hoping that any record we had with Checksystems would hopefully be gone by now as it has been 8 years. I have walked into several banks in the last few months to open an account but then fear of denial takes over and I walk out without even trying. Pretty bad for a grown woman. Anyways, thanks for reading and I am really hoping that any advice I receive will help me get over this paralyzing fear. By the way, with all of our medical bills over the years we never did pay off the outstanding balance to the bank, but I don't remember them ever sending it to collections. I live in Florida and I have seen that the list of non-checksystems banks is not very large. Thanks for being a board full of encouragement and good advice.