I do not know how this is possible. I might have to look at some alternative credit union in my area or around by my college and see can I open an account there. I don't really know what else to do in this sense. The only problem is if I open account and apply for loan straightaway they may check the ICB and find me on there until 2021. I am gobsmacked that you can open an account and then apply for a loan and get it even before opening the account and speaking with loan manager about your bankruptcy. I would feel you were in a financially better off position to me as you might have had a job which was good wage so you could show repayment capacity for the loan but even at that its a strange situation. I have a different circumstance, I work part time at weekend but don't really want to mention too much on this forum on that. I am trying to move from where I am living at the moment to a bigger place but am caught for the deposit and have no way of accessing credit until 2021 according to ICB. I am hopeful I will get job after college in May but that will take time to save up. I am at a bit of a crossroads at the moment on this.