I just recently found out about a debit card the government has for people like me, who can't open up a checking or savings account. I called the 800 # and they took all my updated info. I told the woman about an account I used during the application process and since has been closed. Monday, I will call the 800# again to make sure they still have my udated info. I hope this works for me!

It takes the same amount of effort to call your local office as it does the national 800#.

If you had a problem with opening an account, there are banks and credit unions where you can open an account even if you have an issue with Chexsystems. The following link has a sticky that lists which do not use Chexsystems. You can also go about attempting to deal with cleaning up your file. Even having a savings account without a debit card would be better. I don't have any experience dealing with this problem, and if I've guessed incorrectly, and it's another issue, please don't just assume that you're unable to open an account.

http://creditboards.com/forums/index.php?showforum=75

You should also write to the President of your former bank and notify them of your disability and see if you can resolve any outstanding issues. They will wipe out overdraft fees, even hundreds of dollars worth, in certain circumstances.