<prompt> Human: Im unemployed. I havent been able to find a reliable way to earn money. My brother told me that a co-worker of his would be able to give me some money. I gave my brother all of the information to give to him. A check was deposited, but it was not added to my account balance despite it being posted to my account. I went to my bank, and they said it was bad check. Because I gave someone access to my account, I was not able to file a police report or do a fraud claim, and they said that without those two things they cant do anything other than closing the account and sending it to ChexSystems. And they said that I cant open an account with any bank for the next 5-7 years.I did some research, and what they said was not entirely true. I can join banks that dont use ChexSystems. And I already knew about pre-paid debit cards. I can get them from regular banks, even. Also, I suspect that I could join a bank or credit union that does use ChexSystems if I can do it before my finalizes the closing of my account.All Im asking: what do to manage my money?Assistant: Bank employee here, it takes time, generally, for Chex Systems to be updated. It is not the fastest reporting system there is. As advised by others, I would recommend opening an account as soon as possible somewhere else, whether itd be a credit union or a bank, before the report is actually on your file.Also, in my experience, the main reason why banks decline to open an account for someone on Chex is having accounts that were closed unpaid negative balance, overdrawn, etc. I feel there is something missing here. Did you perhaps deposit a bad check and withdrew money before the check bounced?Human: I do have a history of negative balances. And the bank recently closed two other checking because of negative balances. I intentionally overdrew my account simply because I needed money that I didnt have. I know that I shouldnt, but I dont have the luxury to avoid overdraft. Maybe this bad check was the last straw.  <response>: Avoiding overdrafts, in my opinion, is not a luxury; it is a responsibility. I can see now why the bank would have decided to close your account immediately with your current history. It does not hurt to try other places as soon as you can, but until you payoff those negative accounts, I think it will be very hard for banks to make any exceptions for you. Pre-paid debit cards would probably be your next best option. 