Few banks will be willing to allot you a checking account with checks, if you have a bad credit score, but the ones that do will surely try to make a bit more money off you. And they know that they can either biff you off and tell you to come back when you have an acceptable credit score, or use this opportunity to trap you with high charges for running your account. After all, since no one else is ready to offer you an account, they have a monopoly and can dictate terms with you.
Online Checking Account
This is another option worth exploring. Internet banking accounts generally ask for a lower credit score anyway, and can often brag about lower bank charges and transaction costs, as compared to physical accounts. They will, of course, ask you to maintain a minimum balance in your account all the time. This means you may or may not be able to avail the overdraft facility. Of course, it is always better to open an online checking account with a more reputed bank. They may charge a higher fee but you