If you were reported and listed in the chexsystems you will have to fix your financial reputation. The best way to get yourself out of the chexsystems report is to pay your debts to show responsibility toward the banks. If you cannot afford to pay your monthly bills try reducing your expenses to minimum, try to reduce the monthly loans payments by extending the loan period. If you still need a checking account search for a bank that does not look at chexsystems for a second chance account try to look for the best conditions for you.