From Bankrate.com: http://www.bankrate.com/finance/c...ccount.asp
Note that negative record (e.g., bounced checks) stays with ChexSystems for five years. Meanwhile, I would suggest trying small community/local banks/credit unions, which have more lenient rules for checking account openings.
Step 1: Identify those banks/credit unions that do not require a FICO check (traditionally called "hard pull).
Step 2: Try small banks/credit unions that one can open account in branch immediately. In this manner, one can explain and "soft-speak" the CSR into opening a checking account on the spot.