I had a checking account which was closed 12/08. I recently obtained the last statement from the bank. It says, opening balance-596.28, deposits and other additions +596.28 leaving a balance of 0.00; it also says, "forced closed account" . How do I go about opening another checking account? Is this balance something I have to pay off first?
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It sounds as though you were overdrawn $596.28 and the bank charged that off. That means you owe them that amount and they have classified it as a bad account.
They will want that money repaid and may require that you do that before you open a new account, or at least that you make a payment and arrangements to pay the rest.
They may have also reported the bad account to a credit bureau which could negatively affect your ability to open a checking account elsewhere, as well as borrow money from any lender who uses credit reports. Contact the bank and ask them about your debt and your ability to make payments. If you contest the amount of the debt, ask for an itemization. If much of it is fees, they may offer to settle with you for less than what is owed now.
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It sounds as though you were 