<prompt> Human: So a couple of weeks ago I fell for a check scam and had a negative balance of 3000 so I guess that made SunTrust upset and they banned my mom and I from SunTrust because when I was under 18 she had cosigned for the account. My question is what do I do now? Where do I put my money that I get from my job if I cant open up a bank account. And how the heck am I supposed to build back my credit, when I didnt have any credit to start with.  <response>: This has nothing to do with credit unless they sent your balance to collections. Your immediate problem is theres a high chance they reported this to Chex which will make it very difficult to open a bank account. 