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I would like to open a checking account and get a debit card. I had bad credit but i PAID all of my past debts off so now i own nothing.the last thing i paid for ( a repo on a car i had 5 years ago) 2 months ago. I had tried at peoples bank about 4 years ago and they declined me for a debit card but gave me a checking account. i eventually did b/c my husband spoke with the manager since hes been with them for 6 years. I would like to switch to another bank but worried that they may decline me. any ideas?
Well Im 24 now.My bad credit is a result of getting it as a teenager. I ended up buying a car as well. so trying to balance college, credit card and car payments put me in the hole. but im married now and my current checking is pretty good. im always on top of it. im just having an issue with my current bank. They have too many fees for the most stupid things.
Well the bank i would like to go to claims they look at your credit score. Im trying to build it back up but no luck on getting a credit card yet. Im just worried that if this bank declined me for a debit card, does that mean all other banks will and if not does going to another bank trying to open an account look bad on my report? ( i have 2 banks in mind, 1 is a big chain and the other is local)

8 Thoughts on can you get a debit card with bad credit?
  1. Reply
    Brenda V
    August 9, 2011 at 11:23 pm

    you should have no problem as long as you have never wrote any bad checks for any bank you should be fine.

  2. Reply
    August 9, 2011 at 11:41 pm

    I never heard of someone getting declined for a debit card.

    Have you had any trouble with the debit card that you finally have? I would go ahead and open an account with another bank and try to get the debit card before you close down your other account. That way if you don’t get it you still have your other account. When you go in to set up the new account, they will let you know right then if you can have a debit card. If not, just say,”thank you very much, but I don’t want to have an account at this bank”…..and then just go back to the old one.

    Good luck and stay out of debt! Congratulations on paying everything off.

  3. Reply
    August 10, 2011 at 12:23 am

    The answer is yes.A debit card will not allow you take money out of your account that isn’t there.It will be rejected if the account does not have funds to cover the transaction.A debit card is not anyway affiliated with a credit card.I dont know why you would have been rejected for a debit card in the 1st place as it is not credit.However they will not issue one to someone under 18.

  4. Reply
    Mountain Top
    August 10, 2011 at 12:26 am

    A few years ago, before the electronic systems could keep up to the minute tabs on your account, yes – they would run a credit check and deny you a debit card.

    These days should be no problems at any large bank. A rural bank may still not let you do it – as they are only a corresponding bank to a major institution, and can’t track your spending minute by minute.

    If you have paid everything off (get the credit agency reports from all three and check) and it is all reported as clean, your score will start going up as soon as all the past debts are zero. After about 18 months, though the items will still report as having occurred, the will essentially not affect your score. Just don’t get into any more trouble.

  5. Reply
    Gary H
    August 10, 2011 at 1:03 am

    You can always ask another bank BEFORE you switch to them about getting a debit card. They should be able to answer you up front before opening the account.

  6. Reply
    Smoovy Loco
    August 10, 2011 at 1:37 am

    I’ve known people with bankruptcys, repo’s, forclosures, get debit cards. I’m curious to know which bank your interested in going with, especially the major chain. Take a chance, what’s the worst thing they can say, “Yes”? Also, there’s an alternative that you can use exactly like a checking account that has 100% approval (true story!) It’s called AccountNow, it has free direct deposit, a MasterCard debit card, and a online billpay that actually helps you build credit by reporting the monthly payments you make with PRBC a new credit bureau (click here

    So there’s definitely options for you.

    Good luck on finding the right bank account for you!

  7. Reply
    August 10, 2011 at 1:57 am

    There are some prepaid cards that guarantee you’ll get approved. You don’t even need a bank account. The accountnow prepaid debit card even has a free credit builder option. Find out more at

  8. Reply
    August 10, 2011 at 2:47 am

    It varies from bank to bank.
    Some check credit for checking accounts.
    Some Check credit for Checking accouts and debit cards.
    Some just check telecheck or Check systems for bad checks.

    Myself, it is kind of stupid to do credit check for your own money. I can understand why they check for bad checks but that should be all.

    If they deny you the check card with the Visa or MasterCard logo. Ask them for an Atm that can be used at merchant as a pin transaction. Make sure the bank does not charge you a pin transaction fee.

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