>have one bank account all my life, for over 8 years >no

You might have been a victim of identity theft.

>>971113
ya this, have fun locking your shit down lol

>>971122
Wouldn't someone notify you of id theft when it happens? Of do they just acknowledge that it happens and keep their mouth shit until you attempt to open new bank accounts?

>>971159
You're finding out now. Check your credit report. You get one free check per year from the credit agencies or your bank might check it every month

>>971159
no 1 will tell you shit from the bank. you just look like a bad custy, and they have alot of those

So today I went to Citibank where I have an account as asked them to run a chexsystems report on me. The guy did it and it came back with no issues. I told him that Charles Schwab is denying me because of a 'negative report' with chexsystems. The guy at Citibank said that what they're saying is a total load of crap and e doesn't know what they're smoking.

When I called Charles Schwab and informed them that I was holding in my hand a valid chexsystems report that clearly shows no issues whatsoever, the guy started rambling on about how they're not a typical bank and the reason why it failed might be because they hold a higher standard than other banks, and that regardless of my chexsystems status, they could not help me or allow me to sign up for an account

>>972220
They might require someone with more money.

Shitty-low income-low savings-low balance banking customers are less profitable for the bank. Maybe you just didn't make the cut.

>>972220
Charles Schwab is brokerage firm and I have a brokerage account with them. They want you to trade and have stock, mutual funds, ETFs, etc. The checking account comes second.

I have a checking account with them that is useful when it sweeps the brokerage account for money accrued from dividends. They issue me a debit card that allows zero foreign transaction fees and out-of-network ATM reimbursements. I have taken advantage of this a number of times at home and abroad which I have benefited.

There is a reason why Charles Schwab did not suffer much from the effects of the 2008 financial crisis. They do not want to take on major risks from shady customers who have not dedicated time and placed money into accounts in the brokerage company. I am glad they did not issue an account. Fuck you.

You don't need Chuck to travel mate. Get. Shitibank account and an amex for emergencies (literally don't leave home without it)
Source: atm machine are my card in Venice.

>>972463
Pretty much this. Schwab offers retail banking accounts to attract and keep their investment clients happy and to consolidate their assets. They can offer good checking accounts because they make their money off the investment accounts.

You showing up at Schwab and asking only for a checking account is like showing up to a casino and asking to be comped a hotel room but not gambling any money.

>>972549
I get what you guys are saying, but my GF and cousin signed up for accounts same time as me, and they were approved no problem. And I was going to be putting a significantly larger amount of money into my account than them combined