Opening a checking account?

I know you have a serious problem now, but there is something else you need to think about.

If you took the money out of your retirement fund that will be considered taxable income according to the government. This could bump you up into the 35% tax bracket. You will have to be ready to write a big, big, big check at tax time. Don't forget to add the 10% penalty fee at tax time too. Sorry.

If you do it fast you might be able to open an account with another bank if it's been too long though you might have a problem.

Banks use Check systems to report people that have accounts closed due to negativity and bounced checks. When you open a new account they check this.

What you might be able to do is open a savings account, which most banks will allow even if you are in check systems, deposit the check into that account and withdraw as needed.

After a year or so that may allow you to open a checking with them.

Another option is to have a family member or friend open an account with your name on it. You can get checks with just your name on it but that should only be your last resort since there are a lot of legal issues there.

I have unfortunatly been in a similar situation so I feel your pain

Good luck