There are lots of banks now that don't use ChexSystems now,some bank tech companies that you can get accounts with your mobile phone, so that helps for some of

There are lots of banks now that don't use ChexSystems now,some bank tech companies that you can get accounts with your mobile phone, so that helps for some of the populations. As far as the debit card issue goes- if you are bad at managing your accounts- you should always opt out of overdraft ability, an option that consumers have legally had for several years. If you opt out of electronic overdrafts, your bank cannot legally charge any overdraft fees for those transactions (they will probably decline the transaction... but if they do allow it, you can't be charged a fee if you have opted out). see https://www.consumerfinance.gov/about-us/blog/understanding-overdraft-opt-choice/ https://www.consumerfinance.gov/about-us/blog/understanding-...