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Or, perhaps you have been having trouble qualifying for virtually any new bank checking account. If so, usually possible that the name been recently reported on your past bank to a database called ChexSystems. This database precisely what banks use to report risky bank customers to each other. Once you're in ChexSystems, it can be hard to qualify to get a new bank account with most bank.

The FDIC currently has 775 banks on its "Problem Bank" list. So far this year, 83 banks have failed, about a large part of which succeeded in as well as quarter. That's a truly frightening number by historical standards: About 1 / 3 of credit institutes that didn't work since 2000 have succeeded in doing so in the first 5 months of the new year.