What bank won't deny me?
Fully chartered commercial banks are private financial institutions legally required to manage risk, perform identity verifications, and evaluate applicant histories, meaning no traditional bank can guarantee an absolute policy of never denying an applicant. However, prepaid card accounts, basic non-chequing digital wallets, and second-chance banking options rarely reject applicants because they do not extend credit or involve traditional debt underwriting, providing near-universal acceptance for everyday transactional needs.
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