As he was told to open a account with Centurian Bank, I will share this. Centurian Bank (A.K.A. Membership Banking) Is probably the easiest net bank account to open. They verify you with Chex system but after that it's over, no credit check! They even accept the ITIN number which no other internet bank has yet to do! I suspect that AMEX will report to the CRB's the Secured Optima Card they will offer in the future. Let's keep our fingers crossed.