Saturday, December 25, 2010

Chexsystems-Bad Credit Bank Accounts

Technically talking, ChexSystems is a CRA (Consumer Reporting Agency) even though the data it only keeps stalk of patrons who have had an unhelpful banking record.

Negative banking histories can open a pool account at any lean regardless of your credit report. The 3 chief repute bureaus.

So, can a, someone with terrible status open a checking account? Yes, while the stack does not twitch your acclaim.
This is because most gear, you can embrace accounts that have been reported for extreme NSFs, outstanding debt, account abuse and fraud.

In most banks and ChexSystems, is that the praise bureaus (Experian, Equifax and Transunion) only keeps report of a consumer’s trust account, while ChexSystems maintains a list of banking histories. And disparate the honor bureaus, ChexSystems does not keep tale of accounts in good standings, which means it collects is a bit different from The main difference between the glory bureaus and thanks unions use ChexSystems to verify new accounts. There are some banks that actually use both ChexSystems and prestige inform, but This is not regular.

Monday, December 20, 2010

Chexsystems bank account

If you are now reading this article, i'll bet that you can't get a checking account.Perhaps now you are searching for a no chexsystems bank account checking. It might get hard to find one, because getting a checking account is not an easy thing to do nowadays especially we had bad credit report previously with banks.However there always a way to get around the chexsystems and get a checking account.People with worst credit report background also tend to find a way to get a non Chexsystems bank account.


Searching through the internet is the fastest way.I bet you can try it out since it was the fastest and easiest way to look for and at the same time can compare which banks Chexsystems bank account and which is not.I understand that being rejected from opening a checking account is no fun at all.Chexsystems bank account is fussy since they will find all info regarding your social security number and check your credit background to see whether you have bad credit report.But i do believe that you can get a checkingChexsystems bank account account without chexsystems.


I pretty sure everyone can search banks that do not have chexsystems to get a bank account.If you find one, definitely there will be no issue on gettting a new savings account.With a little searching, you can get a checking account without being looked for on the Chexsystems list.

Monday, December 13, 2010

How to Get Bank Account with Bad Credit

As stated, here are the main ways you can get a bank account if your name is in ChexSystems

1. Get an Online Bank Account

Many online bank accounts are not affiliated with ChexSystems. There are quite a few reputable bank accounts out there and more than a few don’t require a ChexSystems check. You can sign up for a legit online bank account here that’s guaranteed not to use ChexSystems or you can do a general web search online. Short of actually getting a normal bank account, this is the best solution I’ve yet found online. Just make sure you are getting a legit bank account as there are a lot of scams out there. The link I gave goes to a legit site, but if you do a general web search, be very careful that you don’t land up in trouble — I’ve seen a ton of scams out there regarding this topic.
Get a Bank Account Today

2. Look at Prepaid Visa Bank Cards

Another popular option for people who can’t open bank accounts. Prepaid visa bank cards are basically credit cards linked to an online account. You “top” up the card and can use it like a credit/bank card. When you need more funds on the card, you simply make a payment on the card just like you would make a payment to a credit card. The difference between a prepaid visa card and a regular visa credit card is that you can add up a negative balance on your credit card while with a prepaid visa, you can only spend what you have deposited on the card. This card does do a pretty good job at replacing your bank. I know because I had one of these a couple years ago. The cons are that you can’t do some of the things you normally do with a bank account like write checks, transfer money between accounts, etc. But for just buying things and depositing money on the account/card, it’s fine.

3. Find a Non ChexSystems Bank

Another option you could consider is to simply find a bank that doesn’t use ChexSystems. Now, as I’ve stated, one option is to look at an online bank account – many, many of these are not partnered with ChexSystems meaning it’s a good way to get a bank account with bad credit (bad banking credit that is).

If you want to find a PHYSICAL bank, it’s also possible. But you are going to have to put some arm work into this. You see, physical banks that don’t use ChexSystems don’t put this information online. To find out if they don’t do a ChexSystems credit check, you are going to have to call them up. I’ll tell you right now that most major bank chains use ChexSystems, so forget places like Bank of America or CitiBank and such. They are all partnered with ChexSystems or Telecheck. That means you are going to have to look at smaller “neighborhood” banks or credit unions. These might not utilize ChexSystems. The only way to tell is to get a list of banks in your area and call them directly.

Now, it may be that you can open a bank account with a major bank even if your name is in ChexSystems, but instead of a ChexSystems check, they may do a regular credit check. If you happen to have decent credit history, then you might be ok for the account. Again, this may vary between banking institutions and there are no guarantees. You’ll have to call and directly ask.

Now there are supposed Non ChexSystems Bank lists floating around on the web you can look at. But don’t pay any money for these certainly. I’ve had a good look at some of them and most of them contain outdated information or some scammer trying to see you a bunk list for anywhere from 20 bucks to a couple hundred!

4. Wait 5 years

Your name will be dropped from the ChexSystems list after 5 years. I offer this as a possible solution since it is. However, most people can’t go without a bank account of some kind for that long. But if you don’t mind waiting years, well, it’s a solution for you.

5. Fight ChexSystems

Yes, you can fight ChexSystems (and your bank/ex bank) and force them to remove your negative information from ChexSystems records. Keep in mind that this will likely take a few months and will involve sending out multiple letters to ChexSystems via certified mail and to the financial institutions that send your name to ChexSystems in the first place, and possible court appearances. If you are persistent, you can fight ChexSystems and force your name of their record with certainty. But it takes work on your part. If you can’t commit to battling it out for 3 to 6 months, look for a bank that doesn’t use ChexSystems, open up an second chance account, or figure out some other option. If you want to fight, read the final section of this article for a comprehensive ChexSystems Removal guide.

Sunday, November 28, 2010

Non ChexSystems Banks list

Here some latest Non ChexSystems Banks updated for 2010 list.I know a lot of you out there were looking for latest Non ChexSystems Banks for 2010.Ok, below i compiled some of it.Please have a look and correct me if i'm wrong.Also, if you have any aditional Non ChexSystems Banks to share with us, feel free to put it into below comment column.

1st Alliance XXI * (FCU)
1st Plattsburgh *
Abbotsford State Bank
ABC Bancorp ( American Banking Company )
ABHH E*
Abrams Centre National Bank
Acacia Federal Savings Bank
Access Federal ** (CU)
Adams Bank Trust
Adrian State Bank
Advance Financial Savings
Air Academy National Bank ( Armed Forces Bank )
Alabama Central **
Alabama Gas **
Alabama National Guard **
Alabama Telco **
Alamogordo Federal Savings and Loan
Alaska Airlines E*
Alaska Pacific Bank
Alaska USA *
Albemarle First Bank
Alcoa Community *
Alisos **
Alleghany First Bank (Ash Federal, Applachian First)
Allegheny Valley Bank of Pittsburgh
Allegiance Community Bank
Allegiant Bank
Allfirst Bank
Allied **
Alpine Credit Union
Alternatives Federal Credit Union
American Express Membership Banking
American Savings **
Antioch Community *
Arapahoe Credit Union
Arcadia City *
Atchison Village **
Ballston Spa National Bank
BancorpSouth
BancWest Corporation ( Bank of the West, First Hawaiian Bank )
Bank Trust Company
Bank Audi USA
Bank Independent
Bank Midwest
Bank of Alamo
Bank of Amador
Bank of America
Bank of Bartlett
Bank of Belton
Bank of Benton
Belt Valley Bank
Blue Mountain **
BN West **
BOK Financial Corporation
Bon Marche *
Butte *
Calcoe *
California Lithuanian **
Capital Bank Corporation
Carter *
Catlin Bank
Cherry E*
Chinatown Federal Savings Bank
Church/Co-op **
Citizens National Bank
City National Bank
Colonial Bank
Columbia-Barnard ( Bethex ) Federal Credit Union
Community Plus Savings Bank
Compass Bank
Copley Los Angeles *
Cross County Federal Savings
Crossett Paper Mills E*
Customs *
Cyril State BankDelta Valley **
Desert Communities *
Downey City E*
El Cajon Federal **
El Camino College *
El Camino Hospital *
Electric *
Envision Credit Union
Equitable Federal Savings Bank
Equitable Savings Loan
Espeeco *
EW No 401 **
Excel Federal Credit Union
Family 1 Federal Credit Union
Family *
First Atlantic Federal Credit Union
First Convenience Bank
First Entertainment Credit Union
First State Bank
First Tennessee National Bank
Florida State Employees Federal Credit Union
Fort Sill National Bank
Grantsville Federal Credit Union
Great Eastern Bank
GTE Federal Credit UnionHawthorn Bank
Home Street Bank
Metcalf Bank
Mission Area Federal Credit Union (San Francisco)
Native American Bank
Navy Federal Credit Union
Nevada State Bank
Penn State Federal Credit Union
Pentagon Federal Credit Union
Qualstar Credit Union
Raymond James Bank, FSB
RBC Centura Bank
River City Bank
Savannah Bank
Seattle Telco Federal Credit Union
Six Rivers National Bank
Sky Bank
South Trust Bank
South First Bancshares (First Federal of the South)
Southington Savings Bank
Southwest Bank
Stillwater National Bank Trust
Summit National Bank
Susquehanna Bancshares (Citizens Bank)
TCF Bank
Team Financial
Telesis Community **
Texans Credit Union
The University of Colorado *
Ticonderoga Federal **
Timberland Bank
Town and Country **
Tri Counties Bank
Trust mark National Bank
Unibanco ( Union Bank Trust)
Union Bank of California Nest Egg Club
Union Planters Bank
United Bank
US Bank of Walnut Creek
Wachovia Corporation
Washington **

Legend
* Federal Credit Union
** Credit Union

Wednesday, November 3, 2010

Non Chexsystems banks-What to check before open new checking account

1. First of all ensure that the bank is insured under FDIC at FDIC web site:

2. If it’s a credit union, make sure it’s NCUSIF insured. All credit unions that are NCUSIF insured can be found at ([http://www.ncua.gov/indexdata.html]).

3. Make sure the institution has a physical branch to ensure it is a legitimate financial institutions.

4. Do some background work on the bank. Do a WHOIS search to view the registrant for the banks domain name

5. Make sure the bank DOESN’T require you to use direct deposit in order to open the account.

6. Make sure the institution doesn’t charge you for common items like monthly statements, telephone services, and withdrawls.

Tuesday, October 12, 2010

Chexsystems-Money Control Checking Accounts

Stuck into chexsystems list is the last thing you want to get involved.However, there is always a way to get out of the chexsystems.I found out one solution or i would say alternative for those people who had problem with chexsystems.The non chexsystems banks was called Money Control Checking Accounts.It was one easy way for you to get a checking account even though you are stuck in a bad credit background and also chexsystems.

It was said Money Control Checking Accounts will avoid high overdraft fees.Also i learned that Money Control Checking Accounts don't have a minimum balance required.It means pay as you go.It easy and convenient.If you have experience using Money Control Checking Accounts please share it here in the comments area.It would be helpful for those who stuck into the chexsystems and can't open any new checking accounts.

Monday, September 20, 2010

Chexsystems-How to repair Bad credit?

Can I really fix my credit?

Of course you can! Many of our readers (even yours truly) have cleared up a few blemishes on their reports by the technique(s) on this page. By the way: everything a credit repair clinic can do for you, you can do for yourself at little or no cost.

Now that we have the disclaimer out of the way, we know that sometimes people feel overwhelmed with the process and want to ask a live person a question if they get stumped. If you do, we recommend Lexington Law firms. We're had a relationship with them since 2000, have visited their brick and mortar facilities and have been shown their credit repair process. They offer a free credit consultation, you might as well take advantage of it.


What the information provided in this page does is help you fix ERRORS on your credit report and clean up those "questionable" items. While no one can legally remove accurate negative information from a credit report, the law does allow you to request an investigation of information in your file that you dispute as inaccurate or incomplete. On the other hand, *nudge* *nudge*, *wink* *wink*, it is perfectly legal to challenge ANYTHING on your credit report.

There is no charge for requesting an investigation. The whole key to the credit repair procedure is that if the credit bureaus cannot verify information on your credit report they must remove it. For instance, if a credit bureau cannot contact a collection agency which is reporting a collection on your report, they cannot verify the information, and the credit bureau must delete the entry.

1. Get your credit report.

To obtain free copies of your report, please see Getting and reading your credit report. Please note: when you get a free report, you are not going to see your credit score, which is a crucial tool in getting your credit in shape. Here is a comparison chart of online credit score purchase options.

2. Analyze your credit report.

You can analyze your credit as outlined in "Decoding Your Report".

3. Rank questionable/negative items

Step 2 covered how to identify items, both positive and negative on your credit report. Now you have this list, you should rank each item according to the amount of damage they are doing to your overall credit picture. Rank the most damaging information first, followed by the next most damaging information, followed by those items which are neutral. Do this for each credit report, as remember, they may not all have the same information on them. They may even have duplicate information. If this is the case, you will need to write to each credit agency individually for each duplicate item.

The items here are listed in order of descending importance with the first item being the "most damaging" to your credit.

Bankruptcy
Foreclosure
Repossession
Loan Default
Court Judgments
Collections
Past due payments
Late Payments
Credit Rejections
Credit Inquiries
Also, if your creditor has NOT notified you of negative information they have recently placed on your credit report, they are currently in violation of the Fair Credit Reporting Act. You can use this to pressure the original creditor to remove the listing by reminding them they are in violation of the FCRA by not notifying you.

4. Requesting Corrections and Disputing Your Credit
What should you challenge?


Everything, and you should always shoot for a complete deletion. In your initial challenge, don't dispute the information within a collection listing, charge-off, court record, repossession, foreclosure, or settled account. Save disputing the information within the listing for the NEXT ROUND OF DISPUTES. Start off the reason for your dispute on a negative listing whenever possible as "not mine". For a list of the most common dispute reasons, go here.

What items are the toughest to get off your report?

You will have the toughest time getting bankruptcies, judgments, child support and foreclosures off of your credit report as these things are so easy for the credit bureaus to verify electronically through e-Oscar. In the case of a bankruptcy, you most likely will have a few trade lines saying "included in Bankruptcy". If you want to challenge your bankruptcy, you need to clear off all credit lines mentioning a BK FIRST.

5. Make sure you send everything registered or certified mail.

This is important, as you must be able to tell when letters were sent and received. It gives you some leverage with the CRAs if they don't respond in the time frame required by law.

6. Document Your Credit Repair Efforts

As soon as you have ordered your credit reports and photocopied your order letters and checks, you must create a precise organizational system to track your correspondences with the credit bureaus and your creditors. Why is this necessary? Unfortunately, credit items you have worked so hard to remove mysteriously reappear. If this happens, it is usually easy to have the items deleted permanently if you show your complete records on the first removal. Why take a chance?

As you proceed through these steps, keep copies and records of all correspondence you send and receive. Copies of all correspondence are a must, as well as notes on all telephone conversations! Also, if you should encounter any special difficulty and would like help in repairing your credit, you will need these records to proceed.

Every time you have a telephone conversation with a creditor, you must document the conversation by recording the name of the person to whom you spoke, his or her position, the date and time of the conversation, what was said in the conversation, and what was agreed upon.

7. Wait for the credit bureau to finishing investigating

Once the credit reporting agency has received your dispute letter, they are obligated to investigate. This obligation is not contingent upon you having been denied credit. According to the Fair Credit Reporting Act, the credit bureaus must take the following steps:

The credit reporting agencies must resolve consumers' disputes within 30 days limit, unless you have used the services of annualcreditreport.com, then the bureaus can take up to 45 days.
In response to consumers' complaints that documentation in support of their disputes was disregarded, the credit bureaus have to consider and transmit to the furnisher all relevant evidence submitted by the consumer the first time.
Consumers will receive written notice of the results of the investigation within five days of its completion, including a copy of the amended credit file if it changed based on the dispute.
Once information is deleted from a credit file, the credit bureaus can not reinsert it unless the entity supplying the information certifies that the item is complete and accurate and the credit bureau notifies the consumer within five days.
The Federal Trade Commission says that inaccurate credit reports are the number-one source of consumer complaints, and that it is quite common for problems to take six or more months to be resolved. All of the big-three agencies are working on making sure that all disputes are handled within 30 days.

If the new investigation reveals an error, you may ask that a corrected version of the report be sent to anyone who received your report within the past six months. Job applicants can have corrected reports sent to anyone who received a report for employment purposes during the past two years. However, this is unlikely to repair any damage done when your credit report was first pulled, so don’t waste your time or energy on this approach.

8. Evaluate the results of your credit repair efforts.

9. Repeat your credit bureau dispute:

It's a good idea to keep disputing negative listings with the credit bureaus. If you hit on the right dispute, the listing could get completely removed from your report. For instance, if you dispute the date the account was opened, and the credit bureaus can not verify this information they may pull the whole listing. You will need to change the reason for the investigation so the credit bureau will have something new to investigate. The order of the reasons should be:


Not mine (not my account)
I didn't pay late that month
Wrong amount
Wrong account number
Wrong original creditor
Wrong Charge-off Date
Wrong Date of Last Activity
Wrong Balance
Wrong Credit limit
Wrong Status (there are about 20)
Wrong High Credit (the highest amount you used)

10. Specialized techniques:

Depending on the type of listing, you may also want to try these separate techniques:

Collections - This is actually an easy type of listing to deal with. We recommend five different methods for removing collections.

Charge-offs. Try disputing the information within the listing, like the date the account was opened, the high balance, the amount owed, etc. If any of the information is incorrect, you have a good chance of getting the whole thing deleted off of your report. Also try the Disputing Listing With Original Creditor method of dispute.

Judgments. If you were never served for a judgment, you may have a chance of getting it vacated (voided), or there may be other technicalities that you can use. Check out our new section on how to do this.

Disputing directly with the credit card/mortgage company. If well-spread out disputes with the credit bureaus does not work - use our Disputing a listing with the Original Creditor method.

11. Free Sample Letters for Credit Repair

12. What if a removed negative item comes back on my credit report?

Ok, you’ve removed a listing and are breathing a deep sigh of relief. Then you get a letter in the mail from a credit bureau telling you the item has been added back on. What happened?

Reverified listings

This is actually becoming more commonplace: since the new credit laws require that the bureaus investigate and resolve your disputes within 30 days, they will sometimes remove the negative information temporarily until they get the information verified as true. Then they will put back any information verified to be true and notify you of this. By law, they can do this, but they have to notify you in writing.

If they DO NOT notify you in writing, it is an instant violation of the FCRA with a $1000 file PAYABLE TO YOU. Many of our readers have had great success earning some easy cash by suing the credit bureaus for reinserted listings. Not only do you earn $1000, but that listing is removed from your report as well.

Tips for resubmitting your credit dispute

Be persistent! Become more insistent, but not more threatening, with each dispute. Make sure your letters are clear and to the point. Remember, an employee at one of the credit bureaus has about 4 minutes to enter the dispute into the computer for analysis by e-Oscar. Remember if you call the company, this resets the clock on how long they have to get back to you. If you are on day 29 of the 30 days that they have to get back to you and you call, the clock resets and they have 30 more days because you "provided them with more information". Just like any other consumer, you can become frustrated and threatening as time passes. You may threaten to hire an attorney, you may threaten to complain to the FTC and your state's attorney general, etc. But don’t overdo it.

Be creative - Create and utilize other techniques that help further the idea that the dispute letter is from a truly wronged and disadvantaged consumer. The checker is only interested in investigating disputes that truly are erroneous and damaging.

Do not bombard the credit bureaus with disputes (about the same listings, that is). Sending one dispute right after another is wasteful and counterproductive, even if you do use a different reason in your dispute. Again, you must remember to change the REASON for the dispute each time you submit. Otherwise, the dispute can be deemed frivolous and the credit bureau is under no legal obligation to take action. Also remember, that credit repair is a time consuming operation requiring great patience. The rule of thumb is to wait 60 days between disputes of the same listing WITH A DIFFERENT REASON FOR DISPUTING.

Sunday, September 19, 2010

List of Banks that Reportedly Do Not Use ChexSystems When Opening New Accounts

We understand how frustrating it can be to be on the ChexSystems
list. Unfortunately, about 90% of all banks use the ChexSystems list to screen
new accounts, so it can be difficult to find a new bank when you are on the list!
On the pages that follow are a number of banks that reportedly do not use
ChexSystems. Banks change their procedures all the time, so the list may
change from day to day.

Here are a few tips to help you find a bank that doesn’t use ChexSystems:

(1) Call the bank. Use the list below to start your search. Go to the
Website, and get the phone number of the branch nearest you, and
ask whether the bank has a “Second Chance” bank account program,
a “Lifeline” program, or doesn’t use ChexSystems.

(2) Open a savings account or an online account using PayPal. This will
allow you to make purchase on the Internet, and you may also be able
to get a PayPal debit card to use around town.

(3) Open a debit card account or an internet bank account – why do you
need paper checks anymore? The national banks listed below will give
you online banking and all of the features you need!

(4) If you live near the Canadian or Mexican borders, open a bank account
in Canada or Mexico.

(5) Use the bank account application provided at the end of this
document and get one of the best Internet bank accounts
available (it’s from Republic Bank, a bank worth over $3 Billion,
so you know they are going to be around a long time!). In early
2008, they are going to start issuing checkbooks to all of their
Internet banking customers – so open an account today, and get
your checkbook shortly!

(6) The best situation is to get your name completely off the ChexSystems
list, so you don’t have to worry about finding a bank account that
doesn’t take ChexSystems!

Sunday, September 12, 2010

Banks in Arkansas that dont use chex

If you are in Arkansas, and looking for banks in Arkansas that dont use chex i can help you.In Arkansas, Superior Federal does use ChexSystems, but reportedly will accommodate those with a negative in their ChexSystems record. The Baseline Road branch location is more strict than their others, however.

In Little Rock, Member Service Federal Credit Union apparently does not use ChexSystems in verifying new accounts. See our Credit Union tips for more information.

United Arkansas Federal Credit Union (501) 565-8500, apparently does not use ChexSystems.If you interested to find out more about this, you may do so and contact them as soon as possible.

Sunday, August 29, 2010

Suntrust bank no chexsystem

Suntrust bank no chexsystems always search by people who are looking for alternatives for new checking accounts.So, here is the list which i got from my research through non chexsystems banks.Hopefully i will come out with more Suntrust bank no chexsystem list in future to help all of you out there for suntrust bank locations.Check it out below list guys.

union bank takeover
union bank locations and trust oklahoma city
union suntrust bank locations mena arkansas
union bank san diego california
union suntrust bank locations of boston
union bank columbus grove
union bank of california morgages
union bank locations trust va
union suntrust bank lincoln nebraska ron detweiler
union suntrust bank fredericksburg virginia
union planters suntrust bank locations baton rouge la
union suntrust bank locations of california job vacation
union bank recruitment
union bank locations of california website
union suntrust bank president of lincoln nebraska
union bank directory
union city nj savings banks
union bank of california 1099-r

Monday, July 26, 2010

Non chexsystems banks-2010 list

For people who are looking for more free list of non chexsystems banks, here some of it.It's a big list, but not really up to date whether it is still a non chexsystems banks or not.If you find any of these banks near your place, why not give it a try?At least if it is not a non chexsystems banks anymore, you can always inform us through the comment area.It would be helpful to most of us who landed here in this page from the search engine.Check it out guys, the Non chexsystems banks-2010 list .

1st Alliance XXI * (FCU)
1st Plattsburgh *
Abbotsford State Bank
ABC Bancorp ( American Banking Company )
ABHH E*
Abrams Centre National Bank
Acacia Federal Savings Bank
Access Federal ** (CU)
Adams Bank Trust
Adrian State Bank
Advance Financial Savings
Air Academy National Bank ( Armed Forces Bank )
Alabama Central **
Alabama Gas **
Alabama National Guard **
Alabama Telco **
Alamogordo Federal Savings and Loan
Alaska Airlines E*
Alaska Pacific Bank
Alaska USA *
Albemarle First Bank
Alcoa Community *
Alisos **
Alleghany First Bank (Ash Federal, Applachian First)
Allegheny Valley Bank of Pittsburgh
Allegiance Community Bank
Allegiant Bank
Allfirst Bank
Allied **
Alpine Credit Union
Alternatives Federal Credit Union
American Express Membership Banking
American Savings **
Antioch Community *
Arapahoe Credit Union
Arcadia City *
Atchison Village **
Ballston Spa National Bank
BancorpSouth
BancWest Corporation ( Bank of the West, First Hawaiian Bank )
Bank Trust Company
Bank Audi USA
Bank Independent
Bank Midwest
Bank of Alamo
Bank of Amador
Bank of America
Bank of Bartlett
Bank of Belton
Bank of Benton
Belt Valley Bank
Blue Mountain **
BN West **
BOK Financial Corporation
Bon Marche *
Butte *
Calcoe *
California Lithuanian **
Capital Bank Corporation
Carter *
Catlin Bank
Cherry E*
Chinatown Federal Savings Bank
Church/Co-op **
Citizens National Bank
City National Bank
Colonial Bank
Columbia-Barnard ( Bethex ) Federal Credit Union
Community Plus Savings Bank
Compass Bank
Copley Los Angeles *
Cross County Federal Savings
Crossett Paper Mills E*
Customs *
Cyril State BankDelta Valley **
Desert Communities *
Downey City E*
El Cajon Federal **
El Camino College *
El Camino Hospital *
Electric *
Envision Credit Union
Equitable Federal Savings Bank
Equitable Savings Loan
Espeeco *
EW No 401 **
Excel Federal Credit Union
Family 1 Federal Credit Union
Family *
First Atlantic Federal Credit Union
First Convenience Bank
First Entertainment Credit Union
First State Bank
First Tennessee National Bank
Florida State Employees Federal Credit Union
Fort Sill National Bank
Grantsville Federal Credit Union
Great Eastern Bank
GTE Federal Credit UnionHawthorn Bank
Home Street Bank
Metcalf Bank
Mission Area Federal Credit Union (San Francisco)
Native American Bank
Navy Federal Credit Union
Nevada State Bank
Penn State Federal Credit Union
Pentagon Federal Credit Union
Qualstar Credit Union
Raymond James Bank, FSB
RBC Centura Bank
River City Bank
Savannah Bank
Seattle Telco Federal Credit Union
Six Rivers National Bank
Sky Bank
South Trust Bank
South First Bancshares (First Federal of the South)
Southington Savings Bank
Southwest Bank
Stillwater National Bank Trust
Summit National Bank
Susquehanna Bancshares (Citizens Bank)
TCF Bank
Team Financial
Telesis Community **
Texans Credit Union
The University of Colorado *
Ticonderoga Federal **
Timberland Bank
Town and Country **
Tri Counties Bank
Trust mark National Bank
Unibanco ( Union Bank Trust)
Union Bank of California Nest Egg Club
Union Planters Bank
United Bank
US Bank of Walnut Creek
Wachovia Corporation
Washington **

Legend
* Federal Credit Union
** Credit Union

Monday, July 19, 2010

Wescom credit union use chexsystems

Wescom Credit Union officials claim that they verify all new accounts with ChexSystems however we hear otherwise. Looking for Wescom credit union use chexsystems?Several people who have negative ChexSystems reports and were unable to open an account elsewhere found success when trying to open a savings account or a direct-deposit checking account with Wescom. (The Tustin branch is reported to be strict, however.) With a savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. As a credit union, membership is limited to residence in Los Angeles, Orange, or San Bernadino counties and to employees and their families of any of these employers. See our Credit Union tips for more information. Deposits and withdrawals can be made at any Credit Union Service Center location across the country. Let us know whether or not Wescom was able to accomodate you.

In downtown San Bernardino is reportedly a renegade branch of Washington Mutual where our tipster says they are overriding ChexSystems when an incident is more than a year old and you have a letter from the reporting bank or other proof that "all items owed have been paid."

State Listings Of Second Chance Checking Accounts

Please help us keep our list of second chance checking accounts fresh and current by informing us of new banks that approve individuals with current negative chexsystems reports and please also report banks listed in our guide that may not be accepting any new applications for checking accounts for people listed on the chexsystems. Our email address is rujukan@gmail.com.

Alabama Alaska Arizona Arkansas
California Colorado Connecticut
Delaware District Of Columbia
Florida
Georgia
Hawaii
Idaho Illinois Indiana Iowa
Kansas Kentucky
Louisiana
Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana
Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina
North Dakota
Ohio Oklahoma Oregon
Pennsylvania
Rhode Island
South Carolina South Dakota
Tennessee Texas
Utah
Vermont Virginia
Washington West Virginia Wisconsin Wyoming

What is the chexsystems and how it can prevent you from getting a checking account?

The ChexSystems provides deposit account verification services to its financial institution members to help them to identify checking account applicants that may have a history of poor account mishandling. Each item entered into the Chexsystems remains there for five years, unless the financial institution that filed the report requests its removal or Chexsystems becomes obligated to remove it under law. A negative chexsystems report can prevent you from opening up a checking or savings account in the United States.

According to the Fair and Accurate Credit Transaction Act or (FACTA), you are entitled to a free copy of your ChexSystems consumer report, by request, once every 12-month period. See Free ChexSystems Report to find out more about the chexsystems report and how it affects whether or not you can get approved for a new checking account. You can also order your free chexsystems report and learn how to dispute any errors that may be listed on it.

How can the second chance checking accounts guide help me obtain a checking account with a negative chexsystems report?

This 100% free guide will help you locate financial institutions in your area that are willing to give you a second chance checking account. These include banks and financial institutions located in the United States that are willing to overlook negative items that appear on your chexsystems report plus ones that do not use the report at all.

Second Chance Checking Accounts - Louisiana

There are several nationwide banks that will approve you for a second chance checking account while on the chexsystems and current information on how to receive your free chexsystems report which can be view and accessed here. However, many local banks offer promotions for people who have a negative chexsystems report. Below is a listing of banks in Louisiana, that we were told, are currently accepting new checking applications for individuals who are on the chexsystems.

Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a checking account while on the chexsystems. Please help us keep this list up to date by visiting chexsystems.info with bank in your area that accept people who are on the chexsystems, or whether or not you were approved for a checking account using the list below:

B&K Bank
Bank of Montgomery
Bank of Zachary
Carter Federal Credit Union
First Louisiana Bank
Peoples Bank of Louisiana

2nd chance checking account

What is 2nd chance checking account?Some might spell it as second chance checking account.Some might just use short form as 2nd chance checking account.No matter how it spell it does mean the same thing.Second chance checking accounts are bank accounts for customers who are listed in, or have been reported to, any recognized consumer checking history database like ChexSystems. By using methods like financial education and monitoring, financial institutions are able to lower their exposure to risks.

Almost all second chance checking accounts have some kind of restrictions on various account activities as well as the transactions that can be performed. One example of a restriction applied to these accounts is the denial of checkbooks.

However, most of the other features of normal checking accounts such as ATM withdrawals, online bill payments, and direct deposits are included.

Most of the banks, thrifts and credit unions use ChexSystems for the simple reason that its database is a great way for financial institutions to minimize risks. Once a person is placed in ChexSystems' database, he stays there for 5 years. It's almost impossible for anyone to get off their list.

Since ChexSystems does a poor job of assessing the quality of risk a customer might pose, the database contains many individuals who shouldn't be there in the first place. There are also wide disparities in the way banks use ChexSystems. Each bank sets its own parameters and criteria for defaulting customers.

A new program called Get Checking offers customers who can't get bank accounts the opportunity to open a checking account once again. Once the customer has passed the test, they'll be given a "parole" from ChexSystems' database and allowed to open an account once again.

The eligibility to open a second chance checking account differs from bank to bank. Some banks may require hefty opening deposits while others may require only token amounts.

A lot of banks have now relaxed their guidelines as far as opening second chance checking accounts are concerned. This is due to the realization that most customers have problems with their checking accounts due to lack of knowledge.

Some major banks have offered to provide second chance checking accounts to anyone found in the ChexSystems' list so long as the person has not committed any major, outright fraud.

Monday, May 31, 2010

Non ChexSystems Banks-Compiled list

For all people out there stuck in chexsystems, here some useful list i gathered from the internet (approvedchecking blog).It is a State-By-State Listings for non chexsystems banks.


Alabama


Ameris Bank www.amerisbank.com
Colonial Bank www.colonialbank.com
Compass Bank www.compassbank.com
SouthFirst BancShares www.southfirst.com
Armed Forces Bank www.afbank.com
Whitney Bank www.whitneybank.com

Alaska

Alaska Pacific Bank www.alaskapacificbank.com

Arizona

Compass Bank www.compassbank.com
Arizona Federal Credit Union www.azfcu.org
Armed Forces Bank www.afbank.com
TCF Financial www.tcfexpress.com

Arkansas

Bank of Arkansas www.bankofarkansas.com
First Tennessee www.firsttennessee.com

California

Armed Forces Bank www.afbank.com
Broadway Federal Bank www.broadwayfed.com
Tri Counties Bank www.tcbk.com

Colorado

Compass Bank www.compassbank.com
Armed Forces Bank www.afbank.com
TCF Financial www.tcfexpress.com

Connecticut

Compass Bank www.compassbank.com

Delaware

Compass Bank www.compassbank.com

District of Columbia

Compass Bank www.compassbank.com


Florida


Compass Bank www.compassbank.com
Ameris Bank www.amerisbank.com
Armed Forces Bank www.afbank.com
Colonial Bank www.colonialbank.com
Whitney Bank www.whitneybank.com

Georgia

Ameris Bank www.amerisbank.com
Armed Forces Bank www.afbank.com
Colonial Bank www.colonialbank.com
First Tennessee www.firsttennessee.com

Hawaii

Hawaii National City Bank www.nationalcity.com

Idaho

Compass Bank www.compassbank.com

Illinois

TCF Financial www.tcfexpress.com

Indiana

Century Bank and Trust www.centurybankandtrust.com
TCF Financial www.tcfexpress.com

Iowa

Compass Bank www.compassbank.com

Kansas

Armed Forces Bank www.afbank.com
Compass Bank www.compassbank.com

Kentucky

Armed Forces Bank www.afbank.com
Compass Bank www.compassbank.com
River City Bank www.rivercitybankky.com
Park National Bank www.parknationalbank.com

Louisiana

Whitney Bank www.whitneybank.com

Maine

Compass Bank www.compassbank.com

Maryland

Susquehanna Bank www.susquehanna.net

Massachusetts

Bank of New England www.snhb.com

Michigan

TCF Financial www.tcfexpress.com
Century Bank and Trust www.centurybankandtrust.com

Minnesota

TCF Financial www.tcfexpress.com

Mississippi

First Tennessee www.firsttennessee.com
Whitney Bank www.whitneybank.com

Missouri

Armed Forces Bank www.afbank.com
Bank of Kirksville www.bankofkirksville.com
Electro Savings www.electrosavings.com
Rockwood Bank www.rockwoodbank.com


Montana


Compass Bank www.compassbank.com

Nebraska

Farmers State Bank www.farmers-state-bank.com
Neighborhood Federal Credit Union www.neighborhoodcfcu.org

Nevada

Colonial Bank www.colonialbank.com
Armed Forces Bank www.afbank.com

New Hampshire

Bank of New England www.snhb.com


New Jersey


Armed Forces Bank www.afbank.com
Susquehanna Bank www.susquehanna.net

New Mexico

Compass Bank www.compassbank.com

New York

Abacus Federal Bank www.abacusbank.com
Evans National Bank www.evansnationalonline.com
Fulton Savings Bank www.fultonsavings.com
Horizons Federal Credit Union www.horizonsfcu.com
Ticonderoga Federal Credit Union www.tfcunow.com
Trustco Bank www.trustcobank.com

North Carolina

Carolina First www.carolinafirst.com

North Dakota

Armed Forces Bank www.afbank.com

Ohio

Century Bank and Trust www.centurybankandtrust.com
First Day Financial www.firstdayfinancial.org
Park National Bank www.parknationalbank.com

Oklahoma

Compass Bank www.compassbank.com

Oregon

Oregon Community Credit Union www.oregoncommunitycu.org

Pennsylvania

1st Summit Bank www.1stsummit.com
Susquehanna Bank www.susquehanna.net

Rhode Island

Rhode Island Credit Union www.ricreditunion.org

South Carolina

Ameris Bank www.amerisbank.com
Carolina First www.carolinafirst.com

South Dakota

National City Bank www.nationalcity.com

Tennessee

First Tennessee www.firsttennessee.com

Texas

Compass Bank www.compassbank.com
Armed Forces Bank www.afbank.com
Colonial Bank www.colonialbank.com
Whitney Bank www.whitneybank.com

Utah

National City Bank www.nationalcity.com
Pacific Rails Credit Union www.pacificrails.com

Vermont

National City Bank www.nationalcity.com


Virginia


Armed Forces Bank www.afbank.com
First Tennessee www.firsttennessee.com


Washington


Armed Forces Bank www.afbank.com

West Virginia

Susquehanna Bank www.susquehanna.net


Wisconsin


TCF Financial www.tcfexpress.com

Wyoming

Armed Forces Bank www.afbank.com

Monday, May 10, 2010

50 List of Non ChexSystems Banks

Below are complete list of Non ChexSystems Banks which is updated from time to time.It might be deleted while i update it since some of it shifted from a Non ChexSystems Banks to a chexsystems bank.So this complete list of Non ChexSystems Banks might exceed more than 50 banks or lesser than that depends on whether i need to delete these banks from the list or not.Anyway, a lot of Union banks is still offering Non ChexSystems Banks but i did not manage to list it all here.Perhaps i kept for next post entry in chexystems.info.


























































































































































































































































BankLocationWebsite
Access National BankVirginiawww.accessnationalbank.com
Apple Creek Banking CompanyOhioN/A
Armed Forces Bank (military)Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, Nevada, New Jersey, North Dakota, Texas, Virginia, Washington, Wyomingwww.afbank.com
Bank CarolineSouth Carolinawww.bankcaroline.com
Bank of GueydanLouisianaN/A
Bank of NashvilleTennesseewww.bankofnashville.com
Bank of PensacolaFloridawww.bankofpensacola.com
Boone County National BankMissouriwww.boonebank.com
Capital City BankAlabama, Florida, Georgiawww.ccbg.com
Chester National BankIllinois, Missouriwww.chesternationalbank.com
Citizens State BankMichiganwww.mycommunitybank.com
City National Bank & TrustOklahomawww.cnbok.com
Community Bank & TrustOklahomawww.banktulsa.com
Elizabethton Federal Savings BankTennesseewww.elizfed.com
Elk Horn Bank & TrustArkansaswww.ehbt.com
Equitable Savings and LoanColoradowww.equitable-savings.com
First Convenience BankTexaswww.1stcb.com
First Internet Bank of IndianaIndianawww.firstib.com
First State BankMichiganwww.thefsb.com
First State BankKansaswww.fsbkcks.com
First State Bank of MendotaIllinoiswww.fsbmendota.com
First United BankColoradowww.1stunitedbank.com
Fort Sill National Bank (military)California, Delaware, North Carolina, Oklahoma, South Carolina, Tennessee, Texaswww.fsnb.com
Fremont National Bank & TrustNebraskawww.fremontnational.com
Glenview State BankIllinoiswww.gsb.com
Greenville National BankOhiowww.greenvillenationalbank.com
ING DirectOnline - Nationwidewww.ingdirect.com
Kevil BankKentuckyN/A
Keystone Savings BankIowawww.keystonesavings.com
Keywest BankFloridawww.keywest-bank.com
Marketplace BankFloridaN/A
Merchants BankAlabamawww.merchantsbk.com
Old Florida BankFloridawww.oldflbank.com
Omega BankPennsylvaniawww.omegafinancial.com
Peoples Trust & Savings BankIowawww.ptsbank.com
Prosperity BankFloridawww.prosperitybank.com
Regions BankAlabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina,
South Carolina, Tennessee, Texas, Virginia
www.regions.com
Renasant BankAlabama, Mississippi, Tennesseewww.renasantbank.com
Savings InstituteConnecticutwww.savingsinstitute.com
Security Bank of Southwest MissouriMissouriN/A
Suntrust BankAlabama, Arkansas, District of Columbia, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginiawww.suntrust.com
TCF BankArizona, Colorado, Illinois, Indiana, Michigan, Minnesota, Wisconsinwww.tcfexpress.com
Teche Federal BankLouisianawww.teche.com
The Farmers State BankOhiowww.thefarmersstatebank.com
UnivestPennsylvaniawww.univest.net
USAA (military)Arizona, California, Colorado, Florida, Nevada, Texas, Virginiawww.usaa.com
Valley State BankKansaswww.valleystatebank.com
Wayne County BankTennesseewww.waynecountybank.com


If you found that any banks above updated not to use chexsystems please do tell us about it.Also if you care to share banks that do not use chexsystems also are welcome to share it in below comment column.Thanks!

Monday, May 3, 2010

Dispute chexsystems online

How to dispute chexsystems Online?Ok, here some tips for you to implement in order to dispute chexsystems.All you need now is to list out everythings needed such as your social security number, driving license , all account holders' name and do not forget on opening deposits if any.Ok now, we ready to go!

1-First of all Kept all your accounts positive (checking accounts and savings).Don't
forget to settle all overdraft fees accordingly.

2-Make sure overdraft fees paid accordingly and most importantly you get release from the bank reported about you.In your chexsystems file include explanation into it by requesting your file report and then a writing note on dispute form available.Fax it or sent it through mail directly to chexsystems.

3-Don't give up.Repeatedly try again and again.Did you know that bank and credit union managers have the option to override chexsystems by opening the account.However you need a strong reason.Ever heard about Chexsystems' product called Audit Check?Audit check can track back all cases and eliminate/override customer negative report and allow a manager open the account.But it is still not a good practice since upper management not really agree with the method.

4-A lot of us know more than 80 percent banks and financial institutions apply chexsystems.So 20 percent bank do not use chexsystems.Popular one which people always talk about is Credit Union such as Pentagon Federal Credit Union and Navy Federal Credit Union.But still you have to show them your savings accounts.But this step 4 is the last one to use if step 1 to 3 did not works.

Wednesday, March 3, 2010

Open A Checking Account Without Chexsystems

If you’re on chexsystems and have a report on your record that’s preventing you from opening a bank Account? This report can provide solutions and help. 1st) you should know that 80% of US banks belong to the chexsystems credit checking network. And if you have a negative report with chexsystems, you’re in their data base. And the chance of you opening a checking account at a bank or a credit union that works with them is almost zero.

The record will stat on your record for 5-years and it will show up at every bank that works with chexsyems. And when it does the bank will turn you down for a new checking account. There is hope, though. If you are diligent enough, you may just be able to find a non-chexsystems bank. Non-chexsystems banks are the minority in banking today. Chexsystems represents 80% of all US financial institutions and is growing like crazy. If you are lucky enough to find one of these rare banks, all that’s left is for them to allow you a bank account with a prepaid debit card. Non-chexsystems banks can be viewed as a fresh start for people who have, for whatever reason, made a financial error that left a stain on their credit report.

They are a place to rebuild your credit rating, as well as save you potentially thousands of dollars in interest fees and service charges that check cashing stores are famous for. Perhaps the best part about non-chexsystems banks is; they will issue you a prepaid debit card that card can be used to receive your paycheck by direct deposit. More and more employers are insisting that their employees to hand over their financial Information so that their payroll operations are more efficient. Not only that, but having a direct deposit account is a little extra insurance against ever misplacing a paycheck or losing cash. Another fantastic feature associated with non-chexsystems banks that issue prepaid debit cards is that you’ll easily be able to review your account balance and even pay all of your bills online. This convenient, safe and time saving feature makes handling your financial resources much easier.

It can be difficult to keep track of all the bills you need to pay and those you’ve already paid. With online banking, you can easily review all the transactions you’ve made through your account dating back to six months (sometimes longer) ago. With this financial information at your fingertips, you will also find it much easier to create and stick to a realistic budget. non chexsystems checking account All in all, it’s definitely worth your time to research non-chexsystems banks, as it will end up saving you a ton of time and money.

If you can find one, not only will you be able to re-establish your credit rating, you’ll be able to pay your bills easier and be better able to maintain a financially healthier budget. If you find a high quality company offering a prepaid MasterCard or Visa debit card don’t be put off by the fact that they may not offer actual paper and ink checks (some will… some won’t) they are a viable solution to check cashing stores and their high fees. Plus, the banking world is doing its best to take us all into "paperless banking" that works 100% by debit card and online transferring of money, this way you’ll already be in the main stream as it happens. Perry Get a bank account today, visit us to open your own non-chexsystems bank account.

Saturday, February 27, 2010

Chexsystems:Bank account options

If you're on the ChexSystems list, it's important to understand the differences between and features of savings and checking accounts. You're probably shopping around for a better bank account, and this guide can be a big help. When it comes to finding a good place to put your money, you have lots of options. There are checking accounts, savings accounts, money market accounts and certificate of deposits (CDs). Each one offers different benefits, fits different needs, and has different rules and requirements. When you decide what's right for you, there are a few things to consider.

- Some accounts can only be set up if you have a minimum deposit. If your account goes below that number, you'll be charged extra or won't receive interest.

- On the subject of interest, it's important to pay attention to how much is paid, and how often you'll get it. Compare rates in your local area to those from national financial institutions at http://www.bankrate.com.

- Find out about limits on withdrawals. Can you take out your money whenever you choose, or is there a penalty?

- Look for deposit insurance. A sign in the bank will tell you that your money is protected by the Federal Deposit Insurance Corporation (FDIC). Credit union accounts also have protection, but from the National Credit Union Administration (NCUA).

- How easy is putting money in and taking it out? Can you easily get to a bank or ATM, or would you need to get most service online or via phone? Find out if you can make electronic transfers like direct deposits, too.

- If you're considering getting an account with check writing privileges, you should also think about how many checks you'll get, the maximum number of checks you can write every month, and any penalties for going over that number. Find out if there's a maximum or minimum amount you can write a check for, and if there's a monthly fee for the account. Some banks will also charge you a fee for each checks, or writing more than a certain number every month.

- Look for policies that state there are holds on checks. If you deposit money over a certain amount into your account, there may be a waiting period before you can get to it. There might also be a longer period of waiting if you deposit out of state checks.

- What about overdrafts? If you accidentally write a check for more money than is in your account, you should know what happens. You could link your checking account to a savings account so you'll be protected. Otherwise, you could face high fees from bounced checks, either written to you or coming from you. Since a bounced check can be bad for your credit, being covered is a good idea.

Keep in mind that Check 21 (the new Check Clearing for the 21st Century Act) lets banks clear checks electronically instead of actually exchanging your paper checks. This means that there's no requirement to return your original checks with your monthly statement, or when there's a problem with a check. Instead, substitute checks are created, which are used as legal representations of the originals. However, these aren't the same as ordinary check images, which aren't eligible as substitute checks.

It's always been a good idea to ask for your canceled checks with your statement every month. Now you'll receive substitute checks each month instead. It usually takes a day or two for banks to process checks the old way. Now, however, electronic processing happens almost instantly. This means that there's no float time between writing the check and the time that the money's taken out of your account, increasing the chance that a check will bounce. If you have your employer use direct deposit, putting your paycheck directly into your account, you can deal with the change in float time. In addition to this, the faster clearing time means that it's harder to stop payment.

Article by Kurt Lehmann-financial services expert, writing about ChexSystems, payday loans and second chance checking issue

Friday, February 19, 2010

Which banks do not use chexsystems-Arizona Area

Banks that do not use Chexsystems in Arizona available in some bank branches.For instance Desert Schools Federal Credit Union branches do not use chexsystems.This bank uses Equifax instead of chexsystems inside their banking checking systems.So possibility checking accounts in chexsystems is not inside the Equifax systems.

At the branch locations which use Equifax, your credit will determine what type of account you are eligible for. At the branch locations which use ChexSystems, you might try requesting a savings-only account instead as aparently Equifax is used for savings-only account verifications. With a savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. If you learn which branches use which agency.

Please come back at chexsystems.info for more banks do not use chexsystems in Arizona Area and much more in United States .

Saturday, January 30, 2010

You are entitled to your ChexSystems report

Chexsystems is a consumer coverage charity (CRA) and issue to the Fair Credit Reporting
Act (FRCA). Your story could be made open for a fee. Under the rules of the Fair is Under the
Fair and Accurate Credit Transaction Act (FACTA) you are entitled to an open book of your
ChexSystems inform once every 12-months.

You may also get a gratis tell if you have experienced one of the below:

* Denied a group account due to information in your ChexSystems chafe. You must appeal this
tale within 60 day of your veto.


* If you are unemployed and plan to affect for unemployment in the next 60 days.


* If you are on public welfare assistance.


* If you have logic to suppose your sandpaper contains inaccurate information due to fraud.


* Contact Chexsystems

ChexSystems
7805 Hudson Road
Woodbury, MN 55125-1403
800.428.9623 tel
602-659-2197 fax
www.consumerdebit.com

Paid Items in ChexSystems
If you have resolved the problem with the pitch make convinced your crash reads “all amounts billed
have been salaried” or "rewarded rank." The line which reported you should inform your case with
ChexSystems but unfortunately this does not forever happen.

If the resolved count does not imitate a paid type, phone the mass immediately and demand
they profile a modernize with ChexSystems.

Negative items
Negative information can linger in your smooth for up to five time. As a consumer coverage charity
they subject to the Fair Credit Reporting Act. You can request an open mimic of your consumer
report and dispute information in your Chexsystems report.

ChexSystems:Know what inside Chexsystems report

While Chexsystems maintains your chexsystems story they are not
responsible for the findings made by banks to deny you a glance
account. A mass boss can override Chexsystems at any time. What
is responsible for the veto of a checking account is the information
maintained in Chexsystems databases.

This information could be indecent, inaccurate, erroneous or outdated
and the slightest bit of harmful information can result in defiance and
have an injurious effect on the consumer. The next information
may be limited in your Chexsystems register:

* Paid and Unpaid Insufficient Funds ("NSF") matter


* Excessive "NSF" charges, even while you may have sheltered
all those charges with the pile


* Checking account routine that your tilt may ponder refusal


* Bank Fraud


* Uncollected overdrafts, ATM transactions or preset payments
the mound rewarded


* Debit card, savings account or ATM abuse


* Opening an account with sham information

Sunday, January 17, 2010

Different between Chexsystems and Telecheck

There has been a lot of confusion between chexsystems and Telecheck.So, let us see the differences between chexsystems and Telecheck generally.For chexsystems, you stay in the file for 5 years.After which negative banking information come off your file, as no longer viewable by the banks.

While with Telecheck, you will remain in the systems definitely untill you actually pay off the outstanding check.
Basically people mix up with these two, Chexsystems and Telecheck.Hopefully this explain a little what is differences between these two.

Friday, January 15, 2010

Ineos’ Kerling Hires Barclays, Bank of America for Bond Sale

Ineos Capital’s unit Kerling Plc hired Barclays Capital, Bank of America-Merrill Lynch for the planned sale of 785 million euros of bonds due 2017, according to a person with knowledge of the sale.

Wednesday, January 13, 2010

Bank and Chexsystems query

money-tree-bankWhen a person applies for an account at a bank that uses Chexsystems and is denied, it shows up as an inquiry on your report. Too many inquiries on your report can cause Chexsystems to "flag" your account for suspicious activity. It is very important to know where you can and can not get an approval at prior to applying at a bank.

Too many denials can cause a bank that you might have been able to open an account at originally to deny you for these inquiries. Unfortunately this is a mistake that many people make when they first find out that they are reported to Chexsystems. Once they have been denied by a bank they tend to start applying just anywhere and everywhere only to be denied more.

This blog was created to help consumers who are searching for a second chance checking account avoid being ripped off and scammed when trying to get a bad credit checking account. The banks listed do not use ChexSystems or TeleCheck when opening a new account or they will not hold your ChexSystems listing against you. It also lists alternatives to checking accounts....

Here is more information from WikiAnswers contributors:

I was reported to chex system 2 months ago and I'm able to open a second chance Basic Checking account with Compass Bank. It is only $5/month and I get a Visa check card. Lots of banks are starting to offer these kinds of services, you just need to look around.
It is a very good way to restart your credit history. The other choice is to continue to pay high processing fees to paycheck cashing sites

All banks are linked through the chexsystem as far as I know. If the balance is still owed, you may not find anyone willing to open an account for you until it's paid off. I believe you will be in Chexsystem for five years, then your name will be removed.

There is hope. What you can do is write Chexsystem a letter stating your story. Depending on circumstances you may not be liable under the Fair Reporting Act.

Well, I just found out that under most state laws a credit union cannot decline anyone that meets their membership requirements. This means that if you have bad credit they cannot decline you, but they can restrict your services. But if you need a savings account and a place to cash a check then they can do it.

Second Chance Checking. Check availibility in your area, some banks do offer this program for those of us that have outstanding items with chex systems.
There are several online companies that provide help in finding a bank after you've been reported to ChexSystems.

I've been on chexsystems since 2001 and after numberous attempts it seemed hopeless for me to obtain a checking account. Turns out Wells Fargo offers "oppurtunity checking" which is targeted for people whow are on chexsystems, even if you still owe. There is a $12.00 monthly fee, and $2.00 credit if you get direct deposit. I'm so glad finally there is hope for people like me!

There are always loopholes. One is to go ahead and pay the bank what you owe. Then, have the bank send a letter stating this has been paid. Take it with you to the bank where you'd like to open a new account. First, give them your social and see if they go for it. If not, have the letter from your previous bank handy and be ready to put it on the table. Showing you've paid this off and walking in with confidence may just land you a new checking account.

Well I work for GuarantyBank in Wisconsin, and I can tell you that legaly nobody is going to open you a checking account if you have an outstanding balance. However many banks (mine included) do offer a get checking program that can help. Also Guaranty Bank is one of the few that will open an account if you have 1 or less Chex system reports, as long as you don't owe any money. We are in five states so you may be able to open an account at Guaranty Bank. As of 1-11-206 the deal for checking is, free checks for life, no monthly service charge, no min. balance, 25 dollar bonus dor dd. And many more, for the most part if you dont over draw you account it is completely free, and you wont spend a cent.

I live in Indianapolis, IN, I am in chex systems, i opened a bank, account but they won't give me a debit card until i have paid the previous bank....now that i have paid the bank, they are giving me the run a round about reporting my payment to chex system

99% of banks use Chexsystems. You are stuck in Chexsystems for 5 years from the date the bank put you in their system. We can help you.

I hesitate to answer this one because I don't want other people to abuse the only chance there is to get a checking account with an actual check book and atm card. After much research, I have found most second chance banks to be prepaid atm cards with monthly maintenance fees. I also found many services that charge for a list of banks that may or may not be up to date as a nonchexsystem bank. I even managed to open an account successfully with Charles Schwab online, they overlooked chexsystem, but the risk department eventually closed my account after reviewing one of my credit bureau reports which showed I had a delinquency, charge off, and collection. However, I am happy to have found that there's one company that cuts through all the chase with no run around.

To dispute write to:

Mail:

Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Phone:

By phone at 800-428-9623 or fax at 602-659-2197

If the reinvestigation does not resolve your dispute, you are entitled to request a brief statement be added to your consumer file outlining the nature of your dispute.

Non chexsystems banks in Alaska

Chexsystems info will be posting all related banks that we found a Non chexsystems banks which people can actually go and asked for a checking account.As for now, only these two banks found in Alaska.If you found others, please share it here below comments.

http://www.alaskapacificbank.com/

http://www.nationalcity.com/

Monday, January 11, 2010

How To Find Out If You’re On ChexSystems’ List

Most people find out that they’ve been reported to Chexsystems in the most embarrassing way: they go to a bank to open a new account. Then the branch manager or customer service representative comes back to tell them that there’s a problem that’s preventing them from opening an account: the customer is on file with Chexsystems. You will typically be suggested that you try and work things out and then come back. Although that will be said to you with a smile, it doesn’t make it any less embarrassing.

The better (and more dignified) way is to stay on top of things by ordering your ChexSystems report from the company. You can order the report to learn what information, if any, ChexSystems, Inc. has about you. If you have been denied an account from a bank or credit union, and ChexSystems was used in the decision process, this information will help you understand what contributed to that decision. Once it’s in your possession, review it in the most thorough way possible. It will include the following sections: your name and “consumer identifier”, one or more items of “Reported Information” (this is the bad stuff that is being reported about your banking history!), one or more “Inquiries Initiated by Consumer Action” (these are things you have allegedly done that caused someone to pull your Consumer Report), one or more “Inquiries Not Initiated By Consumer Action” (these are reports pulled by others about you without your direct permission), one or more “Retail Information” items (from other check-writing databases such as SCAN), one ore more “History of Checks Ordered”, and then personal information about you, including your Social Security Number, and Drivers License

Sunday, January 10, 2010

Non ChexSystems Banks In Alabama

Looking for non chexystems banks in Alabama?Well, here's some bank list.The following banks either do not use ChexSystems, or they do not hold a consumers ChexSystems record against them when approving checking accounts:

Ameris Bank www.amerisbank.com
Colonial Bank www.colonialbank.com
Compass Bank www.compassbank.com
National City Bank www.nationalcity.com
SouthFirst BancShares www.southfirst.com
Armed Forces Bank www.afbank.com
Whitney Bank www.whitneybank.com

Get out of Bad Chexsystems Record

Let us say that, for anything argue, your name shows up on Chexsystems' funnel. Now you are in moreover one of the next two situations: you have made some mistakes in the precedent that have led one or more banks to story your information, or you have broken up on their slope by misstep. In either post, you will speedily find out that it is leaving to get sometime to accept that situation.

If you have landed on the tilt because of fraudulent activity (i.e. bountiful out fraudulent checks), then you have more to fear about than being on the banking trade's black slope, and the help you want is way past the scope of this term. If you have abused your withdraw card or glance account by overdrawing them too much, your tilt may decide that you are a probable gamble and, as a precaution, close your account by welcoming you to take your concern elsewhere. If you have overspent your account and futile to pay it off, you will also be reported. Getting your name off that "blacklisting" is open to require that you not only pay what you owe, but you will also necessity to have the reserve (or banks) that you rewarded off write a letter to Chexsystems formally to ask that your name be full off the slant. That can take a while, but it is a very good way to have that rise taken trouble of.

If you ended on the register by confound, the manage is analogous to what is outlined above, except that you do not have to pay off anything. What you have to do, still, is to get a reproduce of your Chexsystems recount to see which banks reported you. From then on, it is only a stuff of clearing the question with them so that they write and ask to have your name taken off the black tilt. This is also a long manner, since the banks have to work with you for you to have any chance of sensation.

Another possibility of why you can be on Chexsystems' register is if you have been a victim of character theft. This is another one of those situations where your problems will most liable go outside the fiscal realm, but you will still have to sell with this summarily. No one wants to go five living without any access to even the most crucial financial military, such as charge deposit, a deduct card, online price pay, ATM transactions, and so on. In this lawsuit, you will need a version of your glory details along with your Chexsystems shot so you can species gear out and act appropriately.

In conclusion, receiving rid of a harmful Chexsystems file is almost always a wearying process, but that does not mean it cannot be done. All you need is due diligence and persistence.

Nicola Banks regularly writes about products and services designed particularly for individuals with character issues. See her thing on options for people who have been reported to Chexsystems on Banks Without Chexsystems.

Sunday, January 3, 2010

Finding a Non ChexSystem Banks

Millions of Americans are on a slant that they definitely do not want to be on. It’s the register formed and maintained by ChexSystems identifying people who have had banking evils in the history. It’s also the slant that prevents millions of us from receiving a new stock account each year. If you are on the file, you know how brutally it can assume your life. It is hard and pricey to live in advanced club without a stockpile account—easy tasks such as cashing a repress, paying a check, or receiving currency are made much more intricate. Check cashing fees and money orders can take a big chunk out of each salary.

If you are on the directory, it is important for you to know what ChexSystems is (and what they are not). ChexSystems is not a layer—they are a folders visitors that acts as a consumer treatment activity (CRA), collecting facts about banking customers. In particular, ChexSystems maintains a nationwide folder of banking customers who have been reported for script bad checks, defrauding banks, having unpaid stock debts, or having too many “non-sufficient income” (NSF) stuff. ChexSystems tries to keep a low municipal profile (and they’ve done a beautiful good job of it). ChexSystems does not have a band Web location, and it is relatively obstinate to find information about them.

If you are on the ChexSystems incline, you have three options.

* You can finish to live without a mound account, and pay the beyond expenses and split with the inconvenience of with Check Cashing supplies, Money Orders, and with coins for most transactions.

* You can try to get off the ChexSystems slant (which is not impossible, but can be confusing and grueling for most people).

* You can explore around for a reserve that doesn’t use ChexSystems and that will tolerate you to open an account even though you are on the ChexSystems listing. Luckily, several Federally Insured Banks and standing unions do not use ChexSystems. Unfortunately, decision one can be like ruling a needle in a haystack.

Several Web sites and classified ads collect to have a catalog of non-ChexSystems banks. Unfortunately, most of these lists are out of court and inaccurate. Even worse, many of these lists cost money (with no refunds presented!).

There are, however, some chairs to find gratis information, with a released lean of non ChexSystems banks. However, if you necessary a great tilt account, you don't need to look any spread -- we've reviewed hundreds of banks, and consider the AccountNow Visa Card account is the best minute venture shore vacant.

ChexSystems Information and Guide:www.ckfraud.org

What is ChexSystems?

ChexSystems provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or by their bank). ChexSystems is also licensed to do business as ChexSystems Collection Agency providing debt collection services to members participating in this service.

Is ChexSystems a credit bureau?

ChexSystems is a consumer-reporting agency governed by the Fair Credit Reporting Act (FCRA) and other laws. ChexSystems Collection Agency is a debt collector subject to the Fair Debt Collection Practices Act (FDCPA) and other laws. The Federal Trade Commission enforces the FCRA and FDCPA.

How long does the report stay on file?
How do I get it deleted?

Each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. The decision to delete a report is entirely up to each bank or credit union and its individual policies.

I paid the bank. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report of account mishandling due to payment of monies owed. However, if a collection amount is reported, the member is obligated to mark the account as paid.

How can I see what is in my file?

You can order a copy of your report from ChexSystems.

How do I dispute information?

ChexSystems Consumer Relations Department helps people who believe their file contains misinformation. Visit disputes for more information.

Why do I have to give you personal information, like my social security number and drivers license number?

ChexSystems ask for this information to ensure that they make a complete and accurate search and are able to identify all information that may pertain to you.

Why did you tell the bank not to open an account for me?

ChexSystems neither approves nor declines accounts for banks and credit unions. The decision is entirely up to them.

Why wasn't my ChexSystems report removed when I filed bankruptcy?

A bankruptcy filing only affects the collection of outstanding debts. It does not require the removal of accurate factual information concerning your account.

Why can't I get a copy of my spouse's report?

ChexSystems is required by law to deal directly with the individual to whom the information pertains. They strictly adhere to this to protect consumer privacy. To discuss the information with anyone else, ChexSystems must receive a notarized Power of Attorney or specific written instructions, signed by the consumer whose information is being requested, authorizing ChexSystems to disclose the information to the person named in the Power of Attorney.

What does NSF activity mean?

NSF ­ or non-sufficient funds ­ activity refers to overdrafts that occur on an account.

Do I pay ChexSystems or the bank?

It depends. If your report contains a record of an outstanding debt and you have received collection notices from ChexSystems Collection Agency, you pay ChexSystems Collection Agency directly by sending your check or money order to:

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125

In other cases, you pay the bank or credit union directly.

How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file describing the nature of your dispute of the information. If you wish to add a statement to your file, you must submit your statement in writing with a clear indication that you wish the statement to be added to your file, ensuring that you sign the request. If you would like assistance in writing a clear summary of your statement, you may contact ChexSystems or obtain the assistance from your Attorney.

How do I contact ChexSystems?
CALL
ChexSystems
Consumer Relations
1-800-428-9623
(Recording only-Instructions)

WRITE
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125
FAX
602-659-2197

Inquiry about negative information on file:

Information you will have to send if you have been rejected by a bank or you have received notification that there is negative information on file that shows you still owe a bank money.

Either send your request in writing or by fax. Make sure you have available the following information to submit to them:

* your full name and any alias names used
* your current and prior address (5 years)
* your social security number
* your driver license and/or ID card number
* any business you signed on during the pass 5 years.

We hope that you can resolve your personal problem. If we can assist you further, please contact this office by phone, e-mail, or in writing.

Source:ckfraud.org