Unable To Own A Bank Account - Alternatives? - eBay Suspended & PayPal Limited Forums
eBay Suspension & PayPal Limited Forums  
Join Today
Register Subscribe
     

Registration is fast, simple and absolutely free so please, join our community today!


Go Back   Home > Account Topics > Bank Accounts

Bank Accounts General discussions on bank accounts, withdrawing funds, virtual bank accounts (VBAs) and more.

Reply
 
Thread Tools
  #1  
Old 01-23-2018
Junior Member
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default Unable To Own A Bank Account - Alternatives?

My credit is absolute **** and I cannot bank at really any bank, but only prepaid ones. Is there a alternative that works with Amazon or ebay? I cannot get a credit card or debit card tied to a actual account. I plan on filing bankruptcy but until then, what could I do?
Reply With Quote
The complete step-by-step guide to get back to selling today!

  #2  
Old 01-23-2018
rsot's Avatar
Executive [VIP]
 
Join Date: Dec 2009
Posts: 58,575
Thanks: 4,633
Thanked 7,147 Times in 6,513 Posts
Activity: 100%
Longevity: 77%
iTrader: (7)
Default Re: Unable To Own A Bank Account - Alternatives?

Payoneer seemed to work on Az but not for eB.

What happened - how come you messed up your credit file/history?
Reply With Quote
  #3  
Old 01-23-2018
Junior Member
Threadstarter  
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default

Quote:
Originally Posted by rsot View Post
Payoneer seemed to work on Az but not for eB.

What happened - how come you messed up your credit file/history?
Oh ok, I just got a Payoneer card in the mail, I got to figure out how to load it, thanks for the advice.

Being thrown on the streets at a young age without notice, becoming homeless with bills that got out of hand.
Reply With Quote
  #4  
Old 01-23-2018
phaz0rz's Avatar
Senior Member
 
Join Date: Nov 2015
Posts: 8,590
Thanks: 1,725
Thanked 3,059 Times in 2,302 Posts
Activity: 81%
Longevity: 30%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

Work on your credit man. It's not that hard. If you have $200 you can spare, you can go into a credit union and start a secured loan. You give them your $200 as collateral and they loan you $200. (I recommend a credit union because the one I work with doesn't charge any origination fee, where Wells Fargo would charge $50 for the same loan) Pay it off after a few weeks and then repeat this process dozens of times until your credit score is in the 700's. I'm in the 750's after maybe a year and I started @ 525 (no credit history).

For us in the US there's really no alternative to an FDIC/NCUA insured checking/savings account.
__________________
____________
_______
___
Reply With Quote
  #5  
Old 01-23-2018
yankee's Avatar
Executive [VIP]
 
Join Date: Nov 2013
Posts: 7,790
Thanks: 2,264
Thanked 2,595 Times in 1,905 Posts
Activity: 42%
Longevity: 46%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

Credit score makes little or no difference to many banks and credit unions if not most in the USA. They may not offer you interest accounts or over draft protection, but you still can have a checking and savings account.

It is check systems that holds you back. What is on that? How much do you owe a bank? That usually can be cleared up in minutes if you have the available cash on hand and sometimes if it is old, open an account with the same bank without clearing the old debt.
Reply With Quote
  #6  
Old 01-23-2018
phaz0rz's Avatar
Senior Member
 
Join Date: Nov 2015
Posts: 8,590
Thanks: 1,725
Thanked 3,059 Times in 2,302 Posts
Activity: 81%
Longevity: 30%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

You can get a copy of your Chex report here if you aren't sure about the status of yours:
https://www.chexsystems.com/web/chex...ACTAFreeReport

I was turned down at a credit union for having no credit history though. Tis the primary reason I started building credit.
__________________
____________
_______
___
Reply With Quote
  #7  
Old 01-23-2018
Junior Member
Threadstarter  
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default Re: Unable To Own A Bank Account - Alternatives?

BB&T charged me almost $1,000 in over draft fees because eBay kept hitting my account, because I had over 50 items to ship the day I was thrown to the street. As crazy as it sounds my dad got strung out on Meth and went skit Zo thinking I was out to get him. He the stole the 80k in inventory I had there, and absolutely everything I owned down to my tooth brush. I spent 8 months in a shelter after that, and the police told me to get a life when I attempted to obtain stuff and allowed him to steal my vehicles as well. That' was the start of my credit being screwed as well for my life for a good while afterwards.
Reply With Quote
  #8  
Old 01-23-2018
phaz0rz's Avatar
Senior Member
 
Join Date: Nov 2015
Posts: 8,590
Thanks: 1,725
Thanked 3,059 Times in 2,302 Posts
Activity: 81%
Longevity: 30%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

Sounds like a typical meth user. I'm sorry to hear about your circumstances man but I'm glad to hear you're starting to get back on your feet (or you're at least trying).

You could get an EIN and open business bank accounts.
__________________
____________
_______
___
Reply With Quote
  #9  
Old 01-23-2018
Junior Member
Threadstarter  
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default

Quote:
Originally Posted by phaz0rz View Post
Sounds like a typical meth user. I'm sorry to hear about your circumstances man but I'm glad to hear you're starting to get back on your feet (or you're at least trying).

You could get an EIN and open business bank accounts.
Thanks, I'm getting there. Using a EIN wouldn't allow the bank to see my personal credit?
Reply With Quote
  #10  
Old 01-23-2018
phaz0rz's Avatar
Senior Member
 
Join Date: Nov 2015
Posts: 8,590
Thanks: 1,725
Thanked 3,059 Times in 2,302 Posts
Activity: 81%
Longevity: 30%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

Quote:
Originally Posted by Jturner1 View Post
Thanks, I'm getting there. Using a EIN wouldn't allow the bank to see my personal credit?
I believe a sole proprietor EIN would still be tied to your personal credit, but not an LLC/corporation EIN. Your LLC credit history would be separate from your personal credit history unless you deliberately tie the two together by doing something like applying for a business loan with your SSN.

The catch is your EIN wouldn't have any credit at all. That's not usually a factor unless you're applying for credit though. It wouldn't be hard to start yourself a credit profile for your EIN - there are businesses who offer business credit building as a service.

https://www.creditkarma.com/question...-they-seperate
__________________
____________
_______
___
Reply With Quote
  #11  
Old 01-23-2018
newjerseymax's Avatar
Executive [VIP]
 
Join Date: Apr 2010
Posts: 2,848
Thanks: 1,090
Thanked 680 Times in 492 Posts
Activity: 1%
Longevity: 74%
iTrader: (6)
Default Re: Unable To Own A Bank Account - Alternatives?

Im sorry man! Just remember that everything happens for a reason and you might not know until later in life, if ever.

I feel you. I was homeless too for a while when I was young. I used to sleep under lifeguard stand for shelter at night.

Now I own my house ouright, no payments and cars without payments. I dont have any debt because my credit score was so low I paid all in cash and in time my score wnet up and its been around 790.

Keep making right decisions and you can turn it around!

Have a bleesed day and sending you awesome vibes!
__________________
"Mark 11.24 Whatsoever ye desire, believe that ye have it, and it is yours"
Reply With Quote
The Following User Says Thank You to newjerseymax For This Useful Post:
dealagreeproceed (01-25-2018)
  #12  
Old 01-23-2018
Junior Member
Threadstarter  
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default

Quote:
Originally Posted by newjerseymax View Post
Im sorry man! Just remember that everything happens for a reason and you might not know until later in life, if ever.

I feel you. I was homeless too for a while when I was young. I used to sleep under lifeguard stand for shelter at night.

Now I own my house ouright, no payments and cars without payments. I dont have any debt because my credit score was so low I paid all in cash and in time my score wnet up and its been around 790.

Keep making right decisions and you can turn it around!

Have a bleesed day and sending you awesome vibes!
Thanks everyone for all the helpful Information, and encouragement. Very much appreciated!!
Reply With Quote
  #13  
Old 01-23-2018
yankee's Avatar
Executive [VIP]
 
Join Date: Nov 2013
Posts: 7,790
Thanks: 2,264
Thanked 2,595 Times in 1,905 Posts
Activity: 42%
Longevity: 46%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

EIN will remove you from the check systems or credit score but you will still have to supply the users SS number, aka you by law. You should not have issues.
Reply With Quote
  #14  
Old 01-23-2018
yankee's Avatar
Executive [VIP]
 
Join Date: Nov 2013
Posts: 7,790
Thanks: 2,264
Thanked 2,595 Times in 1,905 Posts
Activity: 42%
Longevity: 46%
iTrader: (2)
Default Re: Unable To Own A Bank Account - Alternatives?

You will have to file your EIN with a state. Depending on your state it could be very little or a lot.

Have you talked to BB&T and see if you can work something out? It is possible. I am not saying likely but possible.
Reply With Quote
  #15  
Old 01-23-2018
Junior Member
Threadstarter  
 
Join Date: Aug 2017
Posts: 11
Thanks: 0
Thanked 0 Times in 0 Posts
Activity: 0%
Longevity: 16%
iTrader: (0)
Default

Quote:
Originally Posted by yankee View Post
You will have to file your EIN with a state. Depending on your state it could be very little or a lot.

Have you talked to BB&T and see if you can work something out? It is possible. I am not saying likely but possible.
Thanks for the info. Bank manager last name is is Hartless and she lives to her name.
Reply With Quote
Reply



Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Bank Account alternatives Moe123 Forum Suggestions 9 08-20-2017 09:50 AM
What are the international bank account alternatives ? mataramasukoma eBay Suspensions 19 09-03-2016 03:03 PM
Are their any alternatives to a bank account freddyg Subscriber Discussions 27 06-23-2015 03:20 PM
Alternatives to a Bank Account SadSuspended PayPal Talk 3 10-13-2014 01:40 AM
ANY Bank Account Alternatives???? to TAKE OUT THE MONEY?? FRP Credit Card Alternatives 2 05-30-2011 06:20 PM


Aspkin Group

All times are GMT -5. The time now is 12:55 PM.


Stop the guessing games and learn how you can quickly and easily get back on eBay today!
Read the best selling step-by-step eBay Suspension guide eBay Stealth!
Amazon Suspension? Read Amazon Ghost to get back on Amazon!
vBulletin® Copyright ©2000 - 2019, Jelsoft Enterprises Ltd.
Ad Management by RedTyger
no new posts