Does anybody know of a bank in the Jacksonville/St Augustine area that doesn't do credit checks?

you can go to ANY bank...none of them do credit checks....
If you have been turned down for an account, it is likely that this has nothing to do with your credit.
The most probable explanation is that you had a bank account someplace else and left that account with a negative balance. Once this happens, your name and social security number are registered in checksystems (checkcare or chexsystems or other like styled company)....
these companies will 'blacklist' you based on your social security number and will refuse to allow you to have a checking account until you pay off the debt.

I think that most banks are on reciprical systems but you might want to inquire via phone which system the bank that you have the debt with uses....
once you have that information, you can call other banks and see if you can find one that does not use that particular system and use them.
Your best bet might be a smaller hometown bank or a credit uinion.


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I do suggest that you consider paying since a debt owed to a bank will haunt you for quite awhile...but worse than that, the fees that you will pay to a checkcashing store 22 weeks a year (assuming you get paid every two weeks or so) will more than equal what you would have had to pay off if you just paid the debt.
I dont know what checkcashing places charge these days but I do believe each check would cost you about 10 or so bucks to be cashed...add that fee over the course of 2 years and whatever you owe will have been more than paid...



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Lastly
you can go to walmart and pick up one of those greendot cards.
should you choose to directly deposit your check to them, they will waive your monthly fees
and you can get your checks cashed for free that way