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I opened this type of checking account at Wells Fargo,because they say you have a second chance.I opened it on Saturday.I went on Wed. To cash a check,I was told there is a block on your account,you need to call this number.I called the number,I was told we are going to close your account,your name is on ck systems.I said you knew this when i opened it.She said oh yes,but we open it,and then loss prevention does further investigation.I was so upset and embarrased.What an awful thing to do to anyone.They had not contacted me,If I had not gone into the bank.I was also told,we will mail you your money in 10 days,I replied oh no you want,I want my money today.I was given my money.I advise you,if you are going to this bank,to open any kind of account,make sure loss prevention is cleared.I have never of such a thing.I think they made this up,to avoid telling me the real reason.

Review about: Wells Fargo Checking Account.

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Anonymous
Ellicott City, Maryland, United States #1294661

I don't know what the heck this person is talking about, they can barely form sentences so I wouldn't trust what they are saying.I have several closed accounts in ChexSystems, but I opened an Opportunity Account with Wells Fargo a year ago without any problem.

I have deposited checks, written checks, used direct deposit, my debit card, and everything you could possibly need to do. I haven't had any problems whatsoever, and since the account has been open for 12 months now I am able to upgrade to their standard checking account.

If this really did happen to the person above, it's likely they were in ChexSystems for fraud.

You have to do something pretty serious to be barred from a Second Chance Checking account with any bank.

Maybe try not doing shady or ghetto things and you will be able to have a bank account, even if it is only a Second Chance type of account.

Dumb *** lol

Anonymous
to A Real Person #1351153

Hahaha real talk

Anonymous
to A Real Person #1391433

You are incorrect, and can write in complete sentences, lol.The above mentioned issue (with a regular checking account), also happened to me through Chase Bank.

I opened up an account, and spoke to the Customer Service attendant on the phone (while I was in the office opening an account with a Bank Representative) to ensure that I was clear in their system to open an account. Both bank representatives said I was in the clear to open an account. I went through the 1 hour long process of opening an account, signing documents, etc. Two days later, I went to use my debit card and I was told it was blocked and to call the customer service line - who let me know my account had been closed.

I called the bank, where I opened account, and spoke to the representative that assisted me and she said she was just made aware of the situation - and had no idea what was going on. She was actually in her manager's office asking about it, at the moment I called. I told her that the customer service representative would not disclose to me WHY the account was closed (even after I had made sure to CLEAR MATTERS UP BEFORE OPENING ACCOUNT WITH 2 SEPERATE Bank Employees). She attempted to call the Customer Service Line, and they told her they could not disclose that information to her without my consent.

We then called back, on 3-way, and I gave my consent to allow them to disclose the information to bank employee - and they still would not disclose WHY my account was...

The only thing they could tell me is that they could not offer me their services at this time.

Allow me to note that: I am NOT in Check Systems for any type of FRAUD, illegal activity, "shady or ghetto things", etc.

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Anonymous
#1277320

does anyone kmow when they graduate into a noto a normal accout i have been here over a year and have deiect dreposites wvwry month and then and nobody cangive me straight ansere

Anonymous
to Audrey Marietta, Georgia, United States #1278496

they typically graduate you into a normal account anywhere from 6 months-year depending on your banking history. if you had any overdrafts or anything that looks negative, that may delay you.

Anonymous
to Audrey Ellicott City, Maryland, United States #1294663

With Wells Fargo it is a minimum of 12 months before you can be considered for an upgrade from their Opportunity Checking to Standard Checking.This happens automatically, the banking system decides when you are eligible- there is generally very little a banker can do to override this.

If you don't qualify after the first 12 months, your account is re-evaluated every 6 months.

You have to keep the account in good standing, meaning you can't have any returned checks, no overdrafts on your account, and a long history of deposits and spending. If your balance is always at zero dollars, this isn't going to help you.

You need to keep money in your account, not withdraw or spend it all.This demonstrates that you aren't responsible with money.

Hope that helps.

Anonymous
Coppell, Texas, United States #1244320

My boyfriend has this type of account.But he cant overdraw his account.

They always taken money out.

The always overdrawing his account.Y is this so

Anonymous
to Anonymous Vacaville, California, United States #1282528

because wells faro is the worst bank to do buissiness with

Anonymous
to Anonymous Ellicott City, Maryland, United States #1294664

Your boyfriend is probably doing shady stuff with his account, its not the bank's fault that he is spending more than what he has.You can't blame the bank lol.

Tell your boyfriend to stop spending beyond his means.This isn't rocket science wtf

Anonymous
to A Real Person #1297875

you sound like an ***

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