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A person could lose his personal checking accounts because they are not able to pay overdraft fees or they got a ton of fees they are having trouble paying. With some ways banks operate, it is very easy for a person to receive a lot of overdraft and NSF fees without knowing it. A second chance checking account is a program that gives people that made some mistakes with old banks a second chance. A lot of banks actually offer a second chance checking account, and there are banks that offer a guaranteed checking account. When you are not able to get a new checking account, it is because your name is listed on a database of people who have had a bad history with bank accounts. The list is maintained by a company called Chex Systems. If you do not try to get your name removed from ChexSystems, your name will remain on that list for 5 years. A Chexsystems report is available that lists all of the items on your record for free by visiting the Chex Systems website. You can get a second chance checking account with all the regular benefits of a regular checking account. You should keep a good eye on your new checking account's balance to make sure you do not get any more fees. You could possibly lose your new second chance checking account if you start receiving NSF fees again. Although a second chance account is given to people with a bad history, not all of these second chance programs are going to be guaranteed. If your banking history is really bad, then it is possible you might have to get a second chance account that will cost a small monthly fee. Some second chance checking accounts have different abilities, like only being able to use your bank card for debit transactions. It is a smart idea to compare at least 3 different second chance accounts before making your decision. Having your new checking account close to your home is nice, but some people will not be able to find one close to home. If that is not possible, then you should have a direct deposit set up for your new bank account. You can find a lot of banks to apply for a second chance checking account online. You can also fund your account from your computer. It is a good back up to have at least two accounts from different banks. The best case scenario is if you are able to get a free checking account. Whatever you do, do not give up because there are a lot of people who end up getting a Bad credit checking account Sometimes you have to get a savings account connected with your new checking account if you want the checking account to be free. Some places will have transfer a certain amount each month from your checking to your savings account. If that happens, you should watch your accounts closely to prevent any mistakes. Second chance checking accounts give people the ability to have a checking account again, and although you have a bad history with a bank account, you can still be able to get a checking account. Good luck with your Bad credit checking account