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First thing you got to do is go through this web site and locate some good credit unions in your state and county:

http://creditunionaccess.com/

Credit unions are just so much more forgiving than a lot of banks. And then get on the horn and talk to them. Explain your situation and find out right away instead of learning the hard way.

There are still a good number of financial institutions that rely solely on Chex Systems so the BK may not be a problem. But call them up and ask right away. If the rep on the phone doesn't have an answer or is unsure, then have them talk to a manager.

I know it is a big pain to make lots of phone calls, be placed on hold, etc., but it is worth it and it will save you quite a bit of hassle in the long run.

And write back and let us know how it turns out for you...

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