MembershipB@nking saying that they closed checking acc't due to my 2 charge-offs(the 2 combined = $1,100.00) on my credit report. I still have my BofA checking acc't. I called and inquired about the $$ that I have been putting in acc't every week and they said that it would be refunded. Think I'll stick with my local bank here and take refund from amex acc't and apply it toward applying for anoter card. I wasn't really shocked when I got letter after reading Micheal's post a couple of weeks ago.I have the FCNB visa,Chevron,andOptima(which doesn't report) and not sure which one to go with now. Any suggestions will be nice.Regardless, things are looking better. I've only been on the road to rcovery for 2 months as of the 17th of this month. Disputed credit reports and got one back yesterday also. Equifax-had 3 deletes from that one. Still waiting for Experian and Transunion to arrive.Bad news and good news in the same day!!!!!