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my credit is bad where can i find a bank account for bad credit online? I am just another victim of this slow economy! I need this fast to get paid If any pso angels can help me i would forever be gratefull!

If there is a Best Bank or 5th3rd Bank near you, you can go in & talk to them about setting up a basic second chance account. Other banks may offer something similar also. That's what I had to do. It's for people with bad credit or those who may be in ChexSystems, Telecheck, etc. They will not do it over the phone or online though. I could never find any banks online that would open an account for me AND accept international wire transfers. Be careful, many online banks say it's a checking account when it's just a prepaid Visa check card or something like that.

Good luck Sweetie!

I have TD Bank.  They used to be Commerce Bank and when they were, they gave anyone a checking account.  You can check into it. 

 Apply for a free debit card there are plenty ultra vx is a card I have that charges you a fee every month but the report to your credit so it helps or there are plenty of free ones

thank-you angel! but the company in order to process direct deposit it cannot be a prepaid card

sweetmama:

thank-you angel! but the company in order to process direct deposit it cannot be a prepaid card

Are you sure?

I know that when I was working Niteflirt, I used a GreenDot prepaid card and they have routing information for direct deposit. NF direct deposited funds to my GreenDot card every day.

You can purchase a Greendot at most pharmacys and other places. You don't give your employer the Greendot card number to direct deposit, but if you go to GreenDot's site at www.Greendotonline.com, they have a page on direct deposit that contains all the banking information that you need (bank routing number, account number, etc.) and you provide that to your employer to use for direct deposits.

I used to work for UT and they will not wire money to a Greendot Card, I already tried. In fact, it even specifies in the newbies info packet that they will not apply money to any type of cards. It has something to do with the "international" aspect of the transfer. They insist that it is a verifiable US bank. I later found out that Greendot wouldn't have even accepted the transfer anyway because they don't accept international transfers, only direct deposit from a US bank. I worked at UT for over a month before I got paid because of this very issue. Just start calling around to all of the banks in your area & explain the situation. Smaller banks seem to be more forgiving of past financial mistakes. Also, be sure that the bank you sign up with accepts International wire transfers to personal accounts. I was shocked at the number of banks that only accepted US money wires or required a business account to accept internationally. Remember, direct deposit and a wire transfer are two totally different things. Ask lots of questions & read the fine print!!!

Sweetmama,

Are you based here in the US?  If you are then get a Net Spend Debit Card.

There are NO credit checks and the debit card acts like a credit card and a checking account as well.  You can get them for most gas stations.

Contact them and ask about international bank wires and see if they might be able to help.

NYQutie

I appreciate all the help ! BUT I NEED A CHECKING ACCOUNT THAT ACCEPTS INTERNATIONAL WIRE TRANFERS thank-you! blackcat is right I need a leg. account .

Have you tried Chase yet?  They are expanding and might be willing to give you an account.  BofA is the worst. I walked out of BofA and into Citi 2 doors down and got an account.  Try a branch of any bank in a low income area, maybe one located in a grocery store.   Branch managers have a lot of discretion.  Go into the branch rather than phone.  Ask for an "access only" account.  Good luck!    

Thank-you sweetie! You are right about bofa I wouldt bank there if they were the last bank on earth!

sweetmama,

Believe it or not you can most likely get a checking & savings acct. at Bank of America!!!

I just got one a few days ago-----and I owe some money to a bank (accidently over drawn & they closed my acct....I will finish getting it paid, but haven't yet). 

 A friend told me she too owed some money to a bank & she was still able to open an acct. at Bank of America. I told her "I don't thik there is any way I can get one."

I applied & was waiting for them to tell me "Sorry, but we can't open an acct. for you",  but they never did. I do NOT think they ran my drivers license & social security card through the system to check it....apparantly they do not do that.

So, try them. 

Secondly, you can get an online bank acct. at accountnow.net.  ANYONE can get one! That is what I had been using. 

They will send you a Visa debit card.  You will have a bank routing number & bank acct. number.  It is just like a checking acct. excpet you will not have any paper checks to write on.  You can go on line & use your acct. to pay bills though.  You use the Visa debit card just like any other bank debit card. 

They will also send you an automatic deposit form you can use to have paychecks automatically deposited-----or you can just fill out a from that PSO companies or other compaines give you to start automatic deposits. 

Hope this helps. 

No bank of america would"t do it! Thank-you ! I am hoping td bank will come through for me. This company will not do a prepaid bank card of any kind nor a money market account I already tried that. I have never bounced a check just a lot of hospital bills due to health problems.

So usachatlines isn't your only company? Good! Universal Talk has a great reputation. I hope you do find a bank account that works with UT, they are very strict, I've read the contract too. But even if you can't find one that UT accepts don't worry. There are still plenty more good chatlines out there. Plenty more.

usa chatlines was my first and worst mistake! And no I only work for one company. In my opinion thats enough