If you've ever done something to get yourself added to the unholy nightmare that is Chexsystems, you're either excluded (if you are in a metro with a small numb

If you've ever done something to get yourself added to the unholy nightmare that is Chexsystems, you're either excluded (if you are in a metro with a small number of financial institutions) or you have a lot of hoops to go through to get an account. There's no requirement to open a basic functionality demand deposit account, like found in the Eurozone, so it's up to financial institutions to decide who they will and won't accept. For example, there's a credit union near me that advertises second-chance checking accounts. The account costs $7 per month and you have to take a $25 personal finance literacy course (that wasn't offered during the pandemic).