First- you are not by yourself. Today's economy has prevented a lot of people to obtain credit anymore. Chexsystem is easily used by the banks keeping people with bad financial reputation out of the bank .What you can do is try to find a list of non
Chexsystem banks with the help of all sort of information including the web. Then use your phone to get the one that will suit your needs. What you need is a second chance account made for people like you, choose the best to have an account by learning about the details and conditions of each bank.
The rest depends on your honesty.