How to Open a Checking Account If You've Been Previously Denied
When you apply for a checking account after being denied, it is important to understand why your first request was denied. If you didn't get this information when you were initially turned down, call the bank and ask. You can avoid having your application for a bank account denied a second time when you know what went wrong the first time.
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Instructions
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Know all of the bank's requirements. When you're opening a new bank account, the bank may require you to show a photo ID, a social security card and proof of your address. Contact the bank before you try to open your account and get a full list of what documentation you will need.
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Have money ready to deposit in your new account. You may also be asked to provide an initial deposit at the time you open a new bank account. If you do not have the money with you, your application may be denied again. Prior to filling out your second bank account application, verify how much money you will need to have up front. Also ask about the bank's policy on how the initial deposit can be made. Some banks may require you to pay in cash while others might accept a money order or electronic transfer from another bank account.
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Explain how the problems leading to your first denial have been resolved. If you are applying at the same bank where your request for a checking account was denied previously, be prepared to explain what you have done since then to fix the problems with your first request.
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Try another bank. The requirements to open a checking account vary slightly between banks. If you were denied a checking account at a national chain, considering applying at a local bank. Local banks give be more leeway in deciding who may open a checking account.
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Put someone else on the account with you. If you do not meet the requirements by yourself, you may be more successful if you ask a parent, spouse or sibling to put her name on the checking account, too. If possible, choose to open the account with someone who is a homeowner, has a stable job and can provide adequate documentation of his identity.
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