If you are on a Chexsystems report from the last 5 years. In any case, it doesn't mean you can not open a new bank account. There are a few banks and credit associations that offer second chance bank accounts. These accounts are typically intended for individuals who can't get endorsed for a checking or saving record because of the ChexSystems report. second chance banking North Carolina may charge a base expense to open another record with restricted services. https://freshstartfinances.org/banking-support/second-chance-checking/