how do you get a bank account inspite of bad credit?
349669
Bad credit has no bearing on a bank account, because it doesn't involve credit.\nYou just need to have money to deposit to create a bank account.
441348
you have to create an account online (online banking). having a bank account with them doenst automatically get you an online banking account. go to www.bankofamerica.com and click on ENROLL in the top left corner. there are instructions there on how to open an online banking account.
778350
If you've had a checking or money market account with a bank for awhile, I'd start with them.  That's how I had to start building my credit.  Take out a loan and pay it back with the money I got from the loan.  \n\nNowadays, it's tough to get a loan unless your record is spotless or you're getting a house at a rock bottom price.  Good luck.
1146659
Living with debt or bad credit can be very stressful, but help is closer than you realize. Improving your credit rating requires that you take positive action and change your attitude toward money. \n \n   \n  Steps:  \n1.   Request a copy of your credit report from a credit bureau. If there is an error, write to the bureau and ask it to fix the mistake. It might also help to contact the creditor who reported the error. Some creditors will contact the bureau on your behalf.  \n  \n2.   If the bad marks on your credit report result from outstanding debts, repay them as quickly as possible. Pay off those with the highest interest rates first.  \n  \n3.   If your debts are overwhelming, contact a nonprofit credit-counseling organization to work out a debt-consolidation plan. A counselor will help you consolidate your debts and will contact your debtors on your behalf to reduce or eliminate finance charges. This can reduce your monthly payments by up to 40 percent.  \n  \n4.   Steer clear of any services that offer you credit-repair or debt-consolidation loans. These companies will plunge you further into debt. Be suspicious of any company that advertises aggressively or sends unsolicited mail or e-mail.  \n  \n5.   Close your credit accounts and cut up the cards. Sell valuables or liquidate assets that will help you repay your debts. Buy the bare essentials (food and gas) and use the rest of your earnings to pay off your consolidated debts.  \n  \n6.   Work with your credit counselor to repay all of your debts. Meanwhile, live a life that will help you re-establish good credit. Pay rent and utilities or mortgages promptly, keep the same residence and job, maintain savings and checking accounts, set a budget and stick to it.  \n  \n7.   Once you have repaid your debts, apply for a new credit card to build a good credit history. It might be easier initially to get a department-store or gasoline credit card or one from an employee credit union.  \n  \n8.   Promptly pay off the balance of the credit card monthly to build good credit. Use the card responsibly.  \n  \n9.   If you don't qualify for a regular credit card, apply for a secured one. With a secured credit card, you fund an account up front and then "charge" expenses on it. This card will show up as a credit card on your credit report and, if used responsibly, can help you build a good credit history.  \n  \n  \n  Overall Tips:  \n Get a copy of your credit report once a year even if you think you have good credit. You may find errors that will damage your credit rating.  \n  \n Filing for bankruptcy is always an option, although your credit history will reflect it for 7 to 10 years, making it very difficult for you to get a car or home loan in the future.  \n  \n Creditors agree to reduce or eliminate interest rates under a debt-consolidation plan because it saves them the expense of collection efforts and increases their chances of recouping the balance.  \n  \n Every application you make for a credit card shows up on your credit report, and multiple applications can hurt your credit rating. To avoid this, use an online service that matches you with creditcard companies that will extend credit to you. Search online for "credit card finder" or "credit card search."  \n\nNo matter how bad your credit is, you can take steps that will make it better. \n  \n1.   Pay all of your bills on time. Late payments (payments that are 30 days late or more) have a negative effect on your credit rating.  \n  \n2.   Reduce the number of credit cards you carry. Write to your creditors to request that they close your accounts and report this status change to all three credit-reporting agencies.  \n  \n3.   Avoid bankruptcies, tax liens (a lien for not paying state or federal income taxes or property taxes) and collections. A bankruptcy stays on your credit report for up to 10 years. Collection accounts and paid tax liens stay on for seven years, and unpaid tax
664785
if you are trying to open a Bank Account & you have Very bad Credit yes it can mean no bank Accout for you,Although Now A days Banks Relay on Credit Reports to help them keep away from People That Have Bad Credit or low Credit scores This helps them to have a Better business, & helps them to avoid People that Bounces Checks to many times & costing them Money,I beleave, Keeping A Good Credit report you do not have much to fear about
1006724
You will not get the credit you think you deserve because you must first establish credit. I know a kid whose only bill was a cell phone. Guess what? He went delinquent on it. He has just put the first stain on his credit.\n\nThe only way to prove yourself is to accept the high interest rates now. Pay them on time all the time. Maintain your employment for as long as you can. If you change you job within the last year it will affect your interest rate and may even affect whether or not you are approved for credit. Keep in mind that creditors are looking to see what they can work with.\n1. How much do you earn? In most case it must be over $12,000 USD.\n2. How long you've worked at your present job? Should be better than a year.\n3. How old your are? Over 24 is a better chance to get credit and lower interest rates\n4. Do you own or pay rent? "Live with parents" doesn't impress a creditor.\n\nIf all the above are good answers then work on getting a secured credit card. There will be a lot of fees associated with a secured card such as application fee, annual fee, processing fee and late payment will be $25 and up, and your interest rate may be around 18 - 25%. Do this for a over a year. Make sure you actually use the credit card but dont ever max it.\n\nProvidian Bank may give you credit without money into a savings account but there interest rates will be up there. They start of low but every 6 month they increase as long as you've made timely payments.\n\nAlso get a loan. Have a family member cosign it. Your credit as well as their credit is affected. So as long as you make timely payment its a win win situation. You can't be denied an auto loan. Having and paying these loans and credit cards increase your credit score. Once you have these under your belt and your on the better side of items 1-4 stated above, you should be home free.\n\nGood Luck
1124141
You have to build credit history first. The first card is the hardest to get. Get a secured card first, then once you build credit history then you can have a regular credit card. Secured card is you give the bank the amount of money that you want for your credit limit and the give you a card for that amount.. For instance if you give them $200.00 then they will give you a line of credit for $200. If you give $300' then the give you a $300. credit line. Than  once you do that for about 6 months or more then try for a card. Good Luck to you. Even if you don't want it a secured card is the only way you will get the regular one i don't think you have any other options.
382498
I have bad credit and I am on chexsystems and I was able to open an account with Citibank.  I did it on line at citibank.com, the only problem with mine is that there are no local branches, but there are several ATM's in my area.  Hope this helps, Good Luck!!
431249
Talk to your local bank.
192988
You need a bank account or credit/debit card.
496561
hold a job. \ndon't get into any debt.\nmake good grades.\nif you live in an apt, pay your rent and bills on time.\n\n**WARNING**\nA CREDIT CARD IS VERY DANGEROUS. IF YOU DON'T HAVE THE SELF DISCIPLINE OR INCOME TO PAY THE FULL BILL EVERY MONTH, DON'T EVEN CONSIDER ONE. \n*****\n\nif you do get a credit card, call them and lower the credit limit to something small like $100 or $50.\n\nif you get into the bad habit of credit card use, you'll end up with worse credit than if you never had one.
926518
You must have an official ID and proof of address to open a bank account. If you don't have them, no bank account for you. \n\nSorry, that's the way it is.
988739
if you have a job with a steady income,  you can usually just go to your bank and ask for a loan.  You'll pay higher interest rates if you have no credit history, but as long as you have a job they should be able to help you out.
808666
Go to a bank, one that you alresdy have a relationship with would be a good start or you could try a site like LendingTree .com. Lending Tree will shop your application and get you multiple answers.
1175781
The only way I know of is to get a co-signor on a loan, and re-establish your credit from there. See if your bank will work with you on a small credit-reestablishing loan as well. Most banks will, especially if you tell them your circumstances.
256831
Bad credit can make it difficult to obtain a loan - You may need to fix your credit first and then re-apply. This is a long process - it could take you 12months or more. Start saving money into a savings account, whatever you think you can afford - this will help you work out how much you could borrow, and in turn what house you may be able to afford. There is a lot more to it, money for repairs etc. So even after you buy a house there is more money needed, on an ongoing basis to keep it up. Good luck
403842
Apply for a credit card. \n\nIf you get one, great. If you are declined, you may be able to obtain one by putting money down, usually about $100 or so. This is known as "securing" the credit card. You'll have a low credit limit.\n\nOnce you begin to charge purchases, make sure you can pay the balance in full since interest rates can be quite high. It's much easier if you don't use the card much each month! Your credit will improve the longer you keep your account open and pay at least the minimum each month.\n\nHope that helps :)\n\nAlso, obtain copies of your credit reports from each of the three credit bureaus. They're free once per year. Go to http://www.freecreditreport.com/