banks for anyone that has difficulty (read CHEX AND CREDIT) problems. I have wingspanbank.com with a chex and credit baddies. My friend got denied recently by wingspanbank, but approved for netbank. No fees (so far!) No Min balance. Free bill payment. Decent (slow) website. Minimum $50 deposit, and you will get a visa check card. They pull equifax, but i guess they don't care because mine sucks pretty bad (5 major baddies, 7 positives). They must not run chex or don't care. Plus! They will let you (as a purchase) fund you account up to $200 with a credit card. Charge $200 to your card, start account, ACH pay back your credit card a few days later. Just a heads up if anyone's having a problem. Seems like the good banks are getting more stringent and inflicting fees upon us.. Only one thing i don't like: POOP brown ugly check card. blah.