<prompt> Human: So today I was offered a job that pays well and has a lot of potential for growth. However, they only offer direct deposit, and I have no bank account. Im in my mid twenties and wrecked my credit in my late teensearlier twenties i know Im a loser, Ive come to terms with it. The last time I tried to open an account was about two months ago at Wells Fargo because my employer at the time banked with them and I would have them cash the checks which was always a headache, they had to call my boss and verify the check was real every time I came in. They didnt tell me why they wouldnt open the account other than my credit is dismal. A few years ago I opened an account with a credit union and they ran a consumer report on me, and told me I could open an account after I paid off a debt that I owed. I did so and had that account for a while until I fucked it up. My girlfriend and I live together and intend on marrying and share all of our finances, and she has a bank of America account. What are my options? Can she add me to her account? Can I set up direct deposit to her account without my name being on it? Are there banks for losers like me?  <response>: holy fuck, I just figured out why check cashing places exist 