These banks allow customers that have messed up in the past to have another opportunity. This will allow them to build savings and work toward fixing their credit. Building a positive credit history can make it easier to obtain these services with the use of a personal social security number. Banks that offer second chance opportunities are there to help the customer. Deposits are protected with the FDIC against loss and every bank account is given a debit card. This card can be used just as you would use a regular credit card. The difference is that you will need to have money in the account in order to shop. However, as long as there is money in the account you are free to shop online. You can also use this debit card to pay at restaurants and other stores that do not expect cash as payment. If you want to clear up your credit and improve your history then you should open this type of account. Building positive credit can reduce interest amounts charged on loans that you take out in the future. This will save you money and provide a lot of convenience.