I will introduce how to open a bank account for people with bad credit in my name. Most people with bad credit use their bankbooks as their family or acquaintances’ bankbooks to prepare for foreclosure, but if you choose to open a bankbook in a place where a branch is operated independently, such as a credit union or Saemaul Geumgo, you can use the bankbook in my name. can.
The way for a person with bad credit to open a bank account in my name is to use a bank where the branch is operated as an independent entity. In the case of a bank where the head office and branches are connected, the foreclosure proceeds to the head office when the foreclosure proceeds, and the same notification of the seizure will be notified to the branches all over the country connected to the head office and the transaction will be suspended. Therefore, even people with bad credit can conduct bankbook transactions only by opening a bank account to avoid these banks.
Banks that can open a bank account for bad credit
If you use a place where each branch is operated as a corporation, such as Saemaul Geumgo or Credit Union, even a person with bad credit can open a bankbook in my name.
1. Credit unions
Credit unions, or credit unions, are non-profit financial institutions with approximately 1,600 branches across the country. Although they use the same name of credit union, each branch is operated as an individual corporation, and in order for creditors to seize the debtor’s credit union bankbook, it is practically impossible to establish a foreclosure because they have to place a seizure in all 1,600 branches nationwide.
Even if creditors apply for information disclosure, the information is not shared by branch. Because of this, it can be said that people with bad credit are safe from foreclosure when they open a bank account at the credit union.
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2. Securities company
Securities companies, like credit unions, are operated independently by branch. In addition, since it is more common to operate an investment account than to operate a general savings account, it is difficult for creditors to recognize.
If a person with bad credit wants to open an account with a brokerage company, it is best to open a CMA bankbook, and additionally, the interest is high, and it is suitable for opening a bank account as it is possible to open a non-face-to-face account in recent years.
3. Other banks that can open a bank account
In Korea, there are many small and well-known regional-based small and medium-sized banks in addition to Kookmin Bank, Shinhan Bank, Nonghyup Bank, and Woori Bank, which are the first known financial banks in Korea. Using these banks to open a bank account for those with bad credit can also be used as a preventive measure to prevent foreclosure.
Go to local bank name
Seoul / Seoul Metropolitan Area Blue Savings Bank website
National Savings Bank website
Yegaram Savings Bank website
Accuon Savings Bank website
Welcome Savings Bank website
HB Savings Bank website
Sky Savings Bank website
The K-On Savings Bank website
JT Chinae Savings Bank website
OK Savings Bank website
SBI Savings Bank website
Inseong Savings Bank website
Seram Savings Bank website
Burim Savings Bank website
Moa Savings Bank website
Sangsangin Savings Bank website
Yongchang Bank website
Pepper Savings Bank website
Anyang Savings Bank website
Geumhwa Savings Bank website
Namyang Savings Bank website
Samjong Savings Bank website
Youngjin Savings Bank website
Gyeongsang-do SNT Bank website
Soulbrain Savings Bank website
CK Bank website
Raon Savings Bank website
Daea Bank website
Ohsung Bank website
BNK Savings Bank website
MS Savings Bank website
Union Bank website
Daewon Savings Bank website
Must Samil Savings Bank website
Korea Bank website
Jinju Bank website
Dongwon First Bank website
Chungcheong / Gangwon-do Daemyung Bank website
Hansung Bank website
Asan Bank website
Cheongju Bank website
O2Bank website
Woori Financial Savings Bank website
CK Savings Bank (Gangwon-do) Homepage
When a person with bad credit wants to receive unemployment benefits
If you become unemployed and lose your job after becoming bad credit, you do not need to open a bank account at a credit union or savings bank or securities company, as above, when you apply for unemployment benefits and receive payment.
Dedicated bankbook for seizure prevention
The official name of unemployment benefits is job search benefits, and if you open a foreclosure prevention account, you can receive job search benefits from the 1 financial sector through your bank account and conduct bankbook transactions.
The name of the account dedicated to foreclosure prevention is the Employment Erum Passbook, and the banks that can be opened are Kookmin Bank / Industrial Bank of Korea / Nonghyup Bank / Busan Bank / Suhyup Bank / Saemaeul Geumgo / Shinhan Bank / Woori Bank / Post Office / Hana Bank and other 11 financial institutions. You can get a job by opening a bank account.
Points to note
In the past, as it was known that Saemaul Geumgo and Internet banks could prevent foreclosure, many people with bad credit opened bank accounts at Internet banks or Saemaul Geumgo in my name. This is because each branch is an individual corporation like the credit union of Saemaul Geumgo.