Usually for 5 years you are on a Chexsystems report. But it doesn't mean you can not open a new bank account. There are some banks and credit unions that offer second chance bank accounts. These accounts are usually designed for the people who can’t get approved for a checking or saving account due to the ChexSystems report. Second chance banks in North Carolina may charge a minimum fee to open a new account with limited services.
Visit at: https://freshstartfinances.org/banking-support/second-chance-checking/