Not sure if you still have those marks on your record preventing you from opening a checking account, but basically all of the online banks do not check records to open an account (as of today.) So even with wrecked credit, a bad ChexSystems/EWS report etc, you can still get an account.
Perhaps this might also be useful for anyone reading this who is in a similar situation today.
I'll be moving to another bank and I'm no longer in a position where I have to worry about stuff that happened back then. It's just kinda sad losing the bank that I've used for basic checking from living under an overpass all the way through home ownership. :(
Perhaps this might also be useful for anyone reading this who is in a similar situation today.