American Bank (pcbanker.com) called up, and said my new account package (checks, etc) got returned because i put my work city zip code down instead of my home city zip. (wierd, 2 miles apart). Asked me to correct my address and sending them out again. They verified i was approved for pcbanker.com checking account. Anyways, word out for another online bank that *MAY* be lenient. This bank, btw, sent me the starter kit even though i did not send any cash, and they expect the $100 deposit minimum upfront. me and my ex-wifey both share the same bad credit etc. I was recently approved for wingspanbank.com and she was denied based on chex. I was also denied for all local banks due to chex. There has to be some rhyme or reason to their scoring model. I don't know. Perhaps someone else with chex will try pcbanker and let us know.