<prompt> Human: Wells Fargo closed my bank account because I was overdrawn 114 and didnt realize it. 70 of that was their fees. I paid it off no problem as soon as it came to my attention but now I cant reopen an account with them. Between just focusing on my business accounts and a depressive episode I totally missed this.Chase also denied me an account online due to this. What can I do? I have to have a debit card. Any tips are greatly welcomed and appreciated!  <response>: Having an account closed due to a negative balance probably means youve been blacklisted on the CHEX system in the US banking system.Kind of like a credit scorecredit reports, but specifically for banking customers.You could try a credit union, some of them arent subscribed to the CHEX system. Or youll have to look for a bank that offers second chance banking 