Trouble opening new bank account

[mccaverty]

Okay - so I wasn't very organized before I filed and I probably should have opened a new checking account beforehand - hindsight is 20/20.

Now, post-discharge, I rode through with my two mortgages and also managed to get an auto loan. Yay - I have a car!

The bad news: both my mortgage payments and my car payments are auto-debited from my checking account...or, they are when my account has enough money in it. But since I didn't reaffirm my mortgages, any money in the account naturally gets sucked out first (even if I only have $2, they take it), and if there is nothing left over, and the car payment comes through, then I get smacked with an overdraft fee.

So, my first line of defense - I stopped having my paycheck automatically deposited. I am now trying to get a new checking account with a different bank so I have more control over where my money goes and when, but the first bank I tried today said my Beacon credit score is too low to open a new account. They only pulled my credit, didn't ask for my income, work history, etc., which are all excellent. Now I'm afraid to apply at other banks because I don't want my credit pulled just to have my application denied. Any suggestions?

[falken]

You could simply cancel the authorization to allow them to debit your mortgage and car payment from your account.

As far opening another account, try a small community bank they are less likely to pull credit (only chexsystems).

[mccaverty]

Those are good ideas - I would imagine they'll allow me to do that with the car payment; not so sure with the mortgage since auto-debiting is their only security that I will pay...

[ecsclb1724]

you could try a local CU, our new CU didn't even pull our credit

[aces67]

Try a small community bank. Those banks usually don't check anything.