None of the banks were able to offer an alternate number, although a few of the representatives I spoke to suggested calling the branch directly instead. I also asked if there was another phone number I could call that would be more direct and whether their call center was located in the U.S. These are accounts that are designed for people who've been denied a regular account because they have negative information on ChexSystems. I used the customer service number listed on each bank's website for new accounts, and for the sake of not hanging up after the representative answered, I asked about second chance checking accounts.
To get a feel for how each bank's telephone customer service works, I spent some time calling them up and asking a few questions. I put customer service hold times to the test at the top 10 big banks to see which ones have the shortest and longest waits. However, with more banks converting to automated systems, getting an actual person on the line may mean waiting a little longer than you'd like. When you've got a problem with an existing bank account or a question about opening a new one, calling customer service is often more convenient than visiting a branch.
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