A no credit check bank account refers to bank accounts that have can be opened by someone who has adverse credit and cannot easily open a regular account. They do not rely on credit checks or ratings to decide who can open an account. It is the kind of an account that would favor one with bad credit rating.
The challenge with such accounts is that they are very difficult to come by. They are often considered too expensive or risky to run. This is considering that they do not run on similar credit rating score as other credit accounts. They are meant to be the last resort for someone who has suffered from, or is still suffering from, a bad credit rating.
A no credit check bank account is easy to open and maintain. It does not require any improving of the credit history. This is usually the headache of anyone who has suffered from some form of bad credit in the past and, as a direct result, finds it difficult to be accepted for credit.
This type of account is designed to remove the conventional bottlenecks that make banking such a headache. A single monthly fee would cover most of the costs of running the account. If you are looking for such a bank account then they are quite easy to find, if you know where to look. However, there are companies who wish to charge people quite a high application fee without any guarantee that they account will be opened for you. These types of offers should be avoided as they are usually just 'middlemen' who are looking to make a quick profit from the applicants misfortune.
You can expect a basic bank account to only offer the most basic of banking facilities and a check book and over draft are not usually included. It is possible to have a debit card associated with the account but this would only let you spend what is available in your bank account.
Because of how this works it will prevent you from going overdrawn and thus avoiding bank charges. This facility is designed to help you manage your account and finances better. Going overdrawn is not much fun and banks are quick to apply charges to your account that can quickly mount up.