by 
Nanny
ANSWERS: 3
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They will probably open an account for you when you try, but depending on the amount and how much they stand to gain, it's probably not necessary.
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No, but you do have to walk on water with your credit rating. Most banks will open an account for you, either before or after the loan.
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In my experience no. But they will open you an account at the time of the loan so that they can take the monthly payments out.
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