<prompt> Human: Been debating asking this for a while, so here goes:Im just coming out of a second stint of homelessness; got a paying job, and somewhere safe to stay with a mailing address. If Im, hopefully, going to be transitioning into better jobs, paying bills and whatnot, a checking account is definitely a must. Ive only been in the States for 3 years and a Wells Fargo account was previously opened for me just after I got here, but it was closed last year due to going overdrawn with no payments into the account being homeless and unemployed tends to do that to you. Since I had a bank account from before I needed one, and it was opened on my behalf, I never bothered shopping around, and being newish to the country, Im not too familiar with bank reputationssystems. I can always get a newbetter bank account later, but for now I just need a checking account thats relatively barebones. I guess some requirements would be:1. Easy to open - Im not sure how badly my Wells Fargo account closing has affected my credit score, but Id need a bank that isnt too demanding, or doesnt set the tolerance limit on bad credit too high.2. Lowno account maintenance fees. I dont want to have to pay for having a bank account which is galling, since I used to work overseas in finance where such fees are practically non-existent!3. ATM fees for the same reason.4. Ability to physically paywithdraw money intofrom account i.e. plenty of branches. Part of the reason my WF account history looked so bad, and went overdrawnclosed as soon as it was, was because I livedworked in a rural area, and I wasnt able to reach a WF branch to make deposits - I cant drive, so Im limited to public transportwalking. At the moment, I get paid with checks, and theres a fee to cash them, its not much in the grand scheme of things, but Im sure you can appreciate Id rather not have to pay for my own money. I realize this might be a deal-breaker, so I guess its not an essential, e.g. if it was online only I would be happy enough if I could use a routing number for paychecks.5. Online bill payment.6. Overdraft - having been homeless, this is more a comfort for me, just in case anything bad happens in the short term.I think thats pretty much it but, again, not being entirely familiar with banking in the US its more a case of features Im not aware of that I wouldnt want, such as accounts that dont have a free debit card, than features Im aware of and do want.  <response>: It really depends on what WF reported. Presumably, they reported the overdrawn closed account to Chexsystems, which is what most banks will check before approving you for a new account. If the overdrawn amount has been reported and still shows that it hasnt been paid off, youll probably have a hard time getting an account just about everywhere. 