<prompt> Human: i have had several bank accounts close due to unrepaid overdraft. now i cannot open a new one. i have just in the last few weeks finally gotten a job that is stable and pays decent and should afford me relative financial stability. i would like to have direct deposit and a way to pay credit cards online so need an account and routing numbermy credit is also shot. i have about 5 credit cards that were charged off after 180 days nonpayed. i have two cards remaining that i managed to always keep the minimum payment on. one of them is still maxed, the other has about 100 available. they are both capitol one cards and i pay their bills at a local branch ever since my last checking account was closedSO. how can i get direct deposit and an account and routing number to pay biils online? i bought a PAYPOWER rechargeable visa debit card which allows diredt deposit, but the routing number doesnt allow ACH billpay. it is also a pain in the neck to withdraw money, especially if i ever need to withdraw a large amount.any and all advice as to how to best proceed now that i will be making stable paychecksAssistant: Have you looked into Simple or Chime? I currently use Chime and I can use it to send checks for stuff not to mention direct deposit hits my account Tuesday evening usually.Human: how do you widthraw money? say you needed 1000Assistant: You get a debit card. I believe the ATM withdrawal limit is the standard 400 a day.Human: man thats awful chase used to let me withdraw 1000 a dayand the debit cars have a 2 atm fee and then the atm has a 2-4 fee. no in bank free atms  <response>: Yeah, but look where that got you. 