<prompt> Human: Im 23, and in a recovering heroin addict trying to get my life back on track. A few years back I had a bank of America account, a debit and credit card. I was a junkie St the time, and maxed out my credit card and never made payments, and had several overdraft fees deep in to the negative on my checking account. Now Im sober, just got a new job, and I do not have a bank account. My last job just had a pay card through the company. I need to open up some kind of account so I can cash my checks and manage my money. But I have heard that they could withhold all the money I deposit, to pay back the other bank what i owe. Is this true? What are my options here?Assistant: They cant just take your money without a legal action and you having notice. Only the IRS can do that.That said, youre going to struggle to get a bank account opened until Bank of America clears you from the banking world naughty list, ChexSystems.Human: Not even a credit union? Or those second chance banks they have inside of Walmart. Nobodys gonna give me a shot?Assistant: Banks dont take kindly to folks who stiff other banks. You can try it, but chances are youll be told no thanks.Human: Whats a girl gotta do to get a second chance man  <response>: You could, you know, pay what you owe to BOA... 