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17 Things About Citibank Before You Apply For Credit Cards 2023A second-chance checking account is an option for banking customers who have struggled with deposit accounts in the past, such as with repeated overdrafts. To open a new checking account online, you'll enter basic information, such as your address and Social Security number and choose funding options. Yes, if they have the other person's account number and the deposit check is made out to the account holder named on that account.