Chase won't let me open another account anymore! :(

Chase won't let me open another account anymore! :(
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Hey Nerdwallet Family!

Here’s another issue. I’m sorry to throw this on you! Even if you don’t approve of this, and you can send me a private message or two on some tips, I would greatly appreciate it.

Before my Huntington Bank issue (where they took $180 from my accounts without notice and based on the opinion of a lawyer I might have a good lawsuit), I banked with Chase. I enjoyed the convenience of having ATMS everywhere. It was my second bank, and the account that I had for the longest at the time (even as a young teenager!) In 2015, someone hacked my Chase account, and then Chase closed my account without notice. When I called them, they told me they couldn’t tell me why. I went to the local Chase. The manager was very mean! He snatched my card away from me and told me to leave! They sent me a letter 3 to 6 months later saying to re-open my bank account at any time, my bank account was hacked. The security team was on it, yada yada yada.

But here’s the crazy part: everytime I try to reopen it, they shut it down 3 days later.

If you say go overseas and start a new life, I completely understand. I’m not having good fortune with big bank accounts! :frowning:

If Chase lets me open another account I promise I will use 2 step verification. I really want to have a Chase account to eventually get their excellent travel credit card with the points, but I have a bad (unearned) reputation from them.


A human with empty bank accounts. :frowning:


This sounds really odd (and frustrating, I’m sure!) If you still have the letter from Chase inviting you to re-open your account, perhaps you could present it to an account manager at Chase and explain the situation as you have here.

Meanwhile, if you’re needing to open an account elsewhere and are having a hard time, this resource has some information you may find helpful:

Let us know how things go!


Hey Cori! I replied to the Huntington situation as well (but I think they have to approve of it. I saw some errors in it so I posted a reply twice, my bad!).

I went ahead and opened up bank accounts at Bank of America and PNC just in case Chase kicks me to the curve again (and some smaller banks that are fee free). Honestly I would probably stick with the small banks if I could, the big banks have in person banks everywhere, and the convenience is too hard to ignore. I’m missing the idea of walking straight out my door and a Chase being right there. I can be in the middle of nowhere and find a Chase.

I’m on sticks and needles as I open up this Chase account again. Nerdwallet family send me positive vibes!


Hi there!

Adding to what the resource that Cori linked to, I’d recommend getting to the bottom of your banking history by checking if you have a record in ChexSystems (the article Cori shared mentions more about the agency). Here’s an article with steps to address this: A ChexSystems report would show accounts that a bank has closed on you, any long-overdue overdraft fees, and more. Banks generally screen applicants by checking their history with the same or other banks; so if you haven’t paid the $180, that might be considered an outstanding debt preventing you from opening a new bank account not just at Chase but at most banks.

As an aside, if you aren’t having luck opening a bank account at a bank, you could check out a bank or credit union (nonprofit equivalent of a bank) that offers second chance checking. Here’s our list of those accounts: To your point about branch availability, more than 1,500 credit unions are part of a shared branching network in the U.S., meaning you can use a branch (out of 5,600) at any credit union that’s part of that network (though certain transactions might be limited). Here’s more about that resource and how to find a local branch and credit union that’s part of it:

Hope that helps!


One last point, since you mentioned it — a Chase bank account is not a requirement for getting a Chase credit card, nor will having a Chase bank account materially increase your odds of approval for a Chase card. At megabanks like Chase, the street-level banking operations and the credit card operations are almost entirely separate businesses, so I wouldn’t sweat it.