<prompt> Human: hello all,i bank with huntington and my bf banks with greendot online. he banked with huntington back in 08, but he ended up accumulating some fees that he never took care of. i would like him to take care of this debt so he can bank with me to make it easier greendot does not have any local atms and he did not have access to his money when he broke his debit card, basically it was a huge inconvenience. however, we are not sure what happened to his account or how much he owes. i assume the debt went to collections, but his address has changed a lot and when i tried to pull up his credit history on credit karma it said he had too small a file no credit basically to generate a report. is it possible his account is still open there with the fees? he is too scared to look and im frustrated that hes not taking responsibility of it, but i do understand his reservations and im trying to figure out what is most likely to happen. additionally, if he applies to huntington is it possible his account could have been closed but he would be denied the opportunity to open a new account? or would they treat him like a new customer?  <response>: He can just apply, if they deny him they have to tell him why and then he can try to take care of it then. Otherwise if you both want to bank at the same bank, you will need to choose another bank. Greendot isnt really a bank, they are a pre-paid debit card with a shit ton of fees. Check with local credit unions, they typically have better rates and fees. 