Originally Posted by
BikeNinjagirl
-- one large loan paid paid in full the same year it was taken out - one amex account paid and closed the same year --
Is this when you bought your house? Was the large loan a conventional mortgage, or something else? Are you planning to sell your first house when you buy the second?
People who lend money want to see a predictable pattern of borrowing and paying back. It sounds like your situation is more complicated than that. Even though you know you're responsible with your money, there are no numbers to back it up.
Do you still have the savings account? Why can't you get a checking account from that bank? Also, you can often write checks from savings accounts, it's worth a call to that bank to see what your options are.