I have overdrawn money with Neteller, Firepay, and IGM Pay

[Mitternacht]

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You'll be reported to ChexSystems, you'll never get a checking account (or other bank accounts, looks bad on loan reports too) again even if you pay them back, and collection agencies will come after you for the money and report it against your credit report.

Good job, retard.

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Actually you only stay in Chexsystems for five years. After that you can open up a checking account with on problem. Also, there are banks out there that will allow you to open an account even if you are in Chexsystems.