<prompt> Human: As the title says, we would like to open a joint account to start getting a budgeting and expenses all in one place but a long time ago she got listed in ChexSystems. I understand how hard it is to get most checking accounts when listed in their database. We were wondering if there is a way to open a joint account or something similar since I dont have issues and have decent credit. We just really dont want to apply for something we really want, get declined, and have to wait to try again. Any information helps!Assistant: Why is she in ChexSystems? Bad history with overdrawing accounts or ??? How long ago?Human: Right, that would be helpful. More background!About 6 years ago confirming with her, will edit she dated a guy who she opened a joint checking account with. He emptied the bank account and left her with roughly 1,000 in debt to them. From my understanding, that account got closed by the bank and she was placed in ChexSystems database.Weve been trying to get the money together to just pay it off but that is pretty slow. Im not against waiting, it would just be easier to manage everything else in our lives if it was together.  <response>: Sound like she would have learned to not open joint checking accounts with boyfriends.If it was 6 years ago it has probably dropped out of their database 