Career Questions and Answers
I just got a new job that only pays direct deposit. I don't have a checking account & can't get one?
Asked by MKL
b/c of bad credit/checks. What can I do? The bank is no longer in business. Chase & wells fargo said no. i also have bad checks from 1994 & 1996 NO to a certian user : I am NOT illegal. Look at my pic I am white as a ghost & I am in a BAD financial situation & don't appreciate you criticizing it.
Asked by MKL
b/c of bad credit/checks. What can I do? The bank is no longer in business. Chase & wells fargo said no. i also have bad checks from 1994 & 1996 NO to a certian user : I am NOT illegal. Look at my pic I am white as a ghost & I am in a BAD financial situation & don't appreciate you criticizing it.
A:
Best Answer:
You should still be able to get a savings account. I know someone who can't get a checking account because he's listed in ChexSystems as a bad risk. However, he was able to get a savings account so he could get his paychecks. Here is a list of banks that don't use ChexSystems, you may be able to get an account through one of them. http://chexsys.tripod.com/goodbanks.html
You should still be able to get a savings account. I know someone who can't get a checking account because he's listed in ChexSystems as a bad risk. However, he was able to get a savings account so he could get his paychecks. Here is a list of banks that don't use ChexSystems, you may be able to get an account through one of them. http://chexsys.tripod.com/goodbanks.html
A:
who said you can't have a bank account? sure you can get one. Bad credit doesn't prevent it.
Answered by cmsmec22
Answered by cmsmec22
A:
Maybe you can open a savings account just an idea...
Answered by Sam C
Answered by Sam C
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you dont need good credit to open checking account
Answered by tinkingchi
Answered by tinkingchi
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i dont think that they can do that.
ONLY do direct deposit.
they cant.
its convievient for them.
but if you dont have a bank.. They HAVE to cut you a check.
Answered by Matthew David
Answered by Matthew David
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use a friends/family's account for now...but i would think you can open up a bank account still even with bad credit...
Answered by wtprider86
Answered by wtprider86
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is there someone who you trust (mom or dad) who can open an account and put your name as a person who has access to it. that way it will be their account on paper but in reality it will be yours.
Answered by toocan
Answered by toocan
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Go find a credit union and open an checking account.
Answered by RE
Answered by RE
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Get a prepaid visa card, they'll take your direct deposit. Also, see if you company can issue an ADP visa card.
Answered by Joythe K
Answered by Joythe K
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How about just a regular savings account, no checks, you can still get direct deposits in there.
Answered by Dan
Answered by Dan
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Come on, there has to be more than one bank where you live.
Answered by pathfinder
Answered by pathfinder
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check with the bank that your company uses and see if they offer a "Holding Account".
Answered by czekoskwigel
Answered by czekoskwigel
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Try going to a credit union and getting a savings account. A lot of banks out there are second chance banks meaning that if you have screwed up they will give you a second chance. I am from Kansas and ours is called Bank Midwest. Just look in the phone book and start calling around. Be honest with them about your past and explain your current situation.
Answered by kristi.burkhart
Answered by kristi.burkhart
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Go to a new bank. Open a savings account if you don't trust yourself with checks!
Answered by MiMi Sugar
Answered by MiMi Sugar
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Some small loan companies have direct deposit services for a monthly fee. Check your yellow pages and call around or call human resources of your company to see if they can make an exception. If not, maybe a relative can co-sign for a bank account for you! good luck!
Answered by mandy71480
Answered by mandy71480
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they say that they can send you a check they just dont perfer to its easier it just usually just takes longer to get talk ot hr
Answered by Marc M
Answered by Marc M
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try credit union banks. In Florida there is bright star credit union. You do not need to be a teacher.
Can apply on line but it is better to go in person so they can deal with you on an individual basis.
www.bscu.org
Answered by Hello Kitty 2442
Answered by Hello Kitty 2442
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u can open a checking acct anywhere goofy
they dont RUN yer credit to open a chjeking acct
they just need a balance of $100 i think
unless yer a jailbird theif convicted of a fed crime
Answered by The WingHunter
Answered by The WingHunter
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Go to a different bank
Answered by Janae P
Answered by Janae P
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Try a Credit Union. They are generally really easy to join and a lot less stuffy than a bank.
Answered by denialdiva
Answered by denialdiva
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this is not an answer... but what kind of job only pays dd?
maybe use a family member, someone that you trust.
when a dd is requested, they don't care who owns the account, just that it goes into one
Answered by The Pet Nanny
Answered by The Pet Nanny
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Credit doesn't matter. You can open a checking account, unless you're blacklisted with the FBI and they want to annoy you. Are you a suspected druglord?
Answered by imgreaterthanhim
Answered by imgreaterthanhim
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I dont know if you have a Wal Mart but a co worker of mine HAD the same problem. She now banks with Woodforest Bank (usually in Wal Mart) and its like a second chance. Or try a credit union. Or you can get a Rush Card and they can direct deposit on there
Answered by Miss Tina
Answered by Miss Tina
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Check with your employer and see if they can credit your earnings to a card, that operates like a gift card. Many payroll processors offer this option
Answered by jwishz
Answered by jwishz
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YOU DON'T NEED GOOD CREDIT TO OPEN A CHECKING ACCOUNT!!! in that case i shouldnt be able to open one either since i havent really established any credit myself which is technically the same thing....try using a different bank or speaking with your supervisor.
Answered by Marisol T
Answered by Marisol T
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You need to go to a different bank. You WANT to have a checking account(not a line of credit) & direct deposit is a good thing in the long run.
Answered by Johnny Apollo
Answered by Johnny Apollo
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I can setup a new account in my name which you can use to transfer the your payroll funds. for a modest fee, I will send you a money order once a month.
Answered by T M
Answered by T M
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go to a credit union and open an account. bad credit doesnt keep you from getting one. give it a try. good luck.
Answered by just askin = )
Answered by just askin = )
A:
Well, there has to be a way you can pay off the debt you owe. That will usually allow you to open a bank account once the debt is settled. Just go to any bank and have them run your history through their computer and see whom you owe the debt to currently. Also a lot of banks will run a second chance account just for people like you that need something for direct deposit. Find out what bank your company banks with and talk to that bank about it. They may be able to help you out. Also most companies that force you to get direct deposit have an alternate way to pay you. Usually its putting your money on a special debit card that you can withdraw money from ATMs with. There will be some fees involved, but that's what happens when you dont have a bank account.
Answered by novae2
Answered by novae2
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I've got a heads-up for you. MANY companies are going to direct deposit only - this is becoming more and more common.
I don't understand you people that don't pay your freakin' bills - what is up with that? You end up screwed every-which-way and then whine about it. Pay your freakin' bills and be responsible and you won't have that problem.
Get a copy of your credit report and see if it shows who is holding the debt. You may just be able to call one of the credit companies and they can tell you over the phone who has it and how to pay it. The money will have to be paid back.
As you have learned, these people saying "go to a different bank" are wrong. When you have oustanding debt with one bank, other banks will not open an account for you because you are too high risk.
Suck it up and pay off what you owe - then open a new account and be responsible with it.
Answered by nite_angelica
Answered by nite_angelica
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you can order a prepaid visa , the best one that i know of is the net spend card it is easy to get is accepted anywhere visa is accepted and the fee is low you dont need any money to order the card
go to netspend.com
you will usually get the card within 5 business days and it has directions for direct deposit when you get it
you can also try the rush card im not sure of the s ite but google it
Answered by prettylilscorpiochick
Answered by prettylilscorpiochick
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i have never heard of a work place only having direct deposit sounds weird i would tell them that they need to pay you with a check and tell them your situation without to much detail if they say they can't then try using a family member you can trust maybe they will let you use their account or open an account with a cosigner if you have a family member who will cosign then you can get an account that way or a very trust worthy friend because this is your money were talking about you need to trust the person completely that cosigns with you
Answered by kcmom
Answered by kcmom
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most banks with direct deposit thru your job will give you a free one provided you don't owe other banks money. So, if the bank closed that you owed the somebody bought out their loans..you need to find out whom and try to get a letter of clearance. I was accused of that once to an old bank owing money only thing they could not find out what the other bank was talking about. If so in your case then you need to talk to your comapny's accounting person
Answered by idiotzaint
Answered by idiotzaint
A:
Try a credit union! They have direct deposit, and less stringent requirements. Not to mention better service, lower fees, and community involvement.
Also, if you can get a savings account, you can have your check direct-deposited to that also, doesn't have to be a checking account.
Answered by fstreet111
Answered by fstreet111
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Talk to your HR dept. If you explain the situation, they should be able to make an exception.
Answered by ace
Answered by ace
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Get a Wal Mart debit card. You purchase them from Walmart. Then go online and print out the direct deposit information and take that to your personnel dept.
Answered by Dei
Answered by Dei
A:
Your company cannot only pay direct deposit, but I am sure you would rather not open that can of worms with them.
So, find a small locdal bank and explain the situation. Ask them what services they offer that can help. I believe they will open a savings account for you that will allow you direct deposit the money.
They will also give you a debit card that can only access the savings account for ATM access, not for use in stores, etc. They have services to protect themselves while trying to help you get back on your feet.
But be honest with them without telling them your life story.
Hope this helps.
Mike@directyourcareer.com
www.directyourcareer.com/blog
Answered by Michael A
Answered by Michael A
A:
Keep going to banks until you find one that will take you. I didn't realize banks would do that to people-I've never had problems with bad checks. With USBank you're given a limit so you can go over to a reasonable amount but you have to pay that back. If you have a history of depositing money they don't penalize you for having a bad check. I know of another bank that doesn't penalize you but they do charge you a fee.
Answered by blkmiss
Answered by blkmiss
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I believe in nearly all states an employer cannot force employees to be paid by direct deposit. Check your state's Department of Labor website -- it may be that they will have to pay you via check or cash.
Answered by leysarob
Answered by leysarob
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Let your company know the situation and see if you can get an account with their bank and have no checks. Just get direct deposit account. And get an ATM card for now.
Answered by Faith
Answered by Faith
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Visa does issue check cards that work the same as a bank account and ATM card specifically for people who either don't want to get a checking account or can't. Check into that.
Answered by No1Familiar
Answered by No1Familiar
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