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So you are struggling with bad credit and cannot open a checking account anywhere. An option you have is a 2nd chance checking account. So what do you have to do to be able to qualify for this type of account? To be eligible to open a 2nd chance checking account, you must have cleared up any problems with the previous bank who had your name added to ChexSystems, which meaning that you must have paid back any money you owe. Most 2nd chance checking accounts also usually require a minimum deposit upon being opened, which is usually also required to be in the checking account at all times. Some places will even charge you monthly fees.