The easiest bank accounts to get approved for are typically second-chance checking accounts or basic prepaid debit accounts that do not utilize strict consumer reporting agency background checks like ChexSystems or Early Warning Services. Traditional banks routinely deny applicants with negative banking histories or past overdraft debts. In contrast, second-chance accounts bypass these rigorous historical credit checks, allowing individuals to open a functional deposit account by agreeing to modest monthly maintenance fees while rebuilding their financial standing.