us bank saved me , my ex was continually late on her car payment and they could take it from my credit union account , so I had to close it for a while. us bank waved fees if you had direct deposit. but there was a free basic checking account I believe.

good luck.

14 years later still at Us Bank.

My ex didn't pay on our 2nd mortgage and it put me on the bad check registry I couldn't open an account for 3 to 5 years. US Bank had what they called 2nd chance checking. Or I would open a credit Union account where you could do it for only a dollar. Before this happens. I would open an account somewhere else to protect yourself from this problem.