Get a New Bank Account
When you get a new bank account, the bank will check your credit history or check to see if you are on ChexSystems. If you are on Chexsystems, you will have a much easier time getting a new bank account if you have a decent credit history. There are a lot of different interest rates that you can get with a savings account, and you can even earn an interest rate on a checking account, so before you get a new bank account, you should do some research to see what the best interest rate you can get is.
There are a lot of online banks like ING that are offering great deals on checking and savings accounts. The great part is that both their checking and savings accounts earn a pretty good interest rate. It is easy to fund their new bank accounts, and all you have to do is setup a direct deposit or transfer money from another account. The one way that a lot of people would probably do is the direct deposit since it is the easiest. Some banks are really starting to get good promotions so they can get new customers to open a new bank account, so right now there are really good deals.
If you are having problems opening a new bank account, it will be because of your bad credit history or you are on Chexsystems. Do not worry if you are in this situation, because all you need to do is find banks in your area that do not use chexsystems, or you can find what is called the second chance checking account program. Basically, it is a checking account for people who had a bad banking/credit history. There are even bank accounts that are guaranteed to be opened. So there are definitely options for you to take.