Showing posts with label ChexSystems list. Show all posts
Showing posts with label ChexSystems list. Show all posts

Monday, March 4, 2013

Frequently asked question on Chexsystems

Below list of Frequently asked question on Chexsystems. It have been circulating around for years. So i compiled all the question for you to search on search engine.

Who is Chex Systems, Inc?

Is ChexSystems a credit bureau?

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

My account was paid. Why wasn't the report removed?

How can I see what is in my file?

Why does my consumer report only show the last 4 digits of my Social Security number, Driver's License number and/or account number?

How do I dispute information?

How do I add a statement to my file?

Why do I have to give you personal information, like my Social Security number and Driver's License number?

Why did you decline my account?

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

What does NSF activity mean?

How can I opt-out of pre-screened offers of credit?

Are all consumers subject to pre-screened offers of credit?

Who has access to my consumer file?

How do you handle online security?

How can I tell if my online session is encrypted?

What are my rights as a consumer under the FCRA?

I am a victim of identity theft. What rights do I have?

What if I still have questions? How do I contact ChexSystems?

Tuesday, June 5, 2012

Florida Banks List that do not use chexsystems?

Are you in Florida?Why not try to have a peek on below Florida Banks which might offer you a non chexsystems checking account.








































































































































































































































































































































































Florida Bank NameFlorida Bank Address
Alarion Bank Gainesville16404 Us Highway 441Alachua, Florida 32615-5256
Capital City Bank Direct15000 NW 140th StAlachua, Florida 32615-2601
First National Bank of AlachuaAlachua, Florida 32615
First National Bank of Alachua15000 NW 140th StAlachua, Florida 32615-2601
Gateway Bank of Central Florida15652 NW Us Highway 441Alachua, Florida 32615-5330
Millennium Bank14480 NW 152 LnAlachua, Florida 32615
Citizen Bank & Trust2372 N Scenic HwyBabson Park, Florida 33827
Bank of America45066 State Road 200Callahan, Florida 32011
Southeastern Bank542238 US Highway 1Callahan, Florida 32011-6497
Wachovia Offices542196 Us Highway 1Callahan, Florida 32011-8109
Bank of America37939 Church AveDade City, Florida 33525-4210
Bank of America13839 Us Highway 98 BypDade City, Florida 33525-5018
Boyd Baldy14142 17th StDade City, Florida 33525-3601
Centerstate Bank West Florida14045 7th StDade City, Florida 33525-4305
Florida Traditions Bank13315 Us Highway 301Dade City, Florida 33525-5455
Suntrust Bank13844 7th StDade City, Florida 33525-4914
Suntrust Bank11704 Us Highway 301Dade City, Florida 33525-1871
First National Bank Of Pasco13315 US Hwy 301Dade City, Florida 33525
Resource Express6524 NE County Road 1469Earleton, Florida 32631-6852
First Community Bank400 E Howry AveDeland, Florida 32724-5400
Riverside Bank400 E Howry AveDeland, Florida 32724-5400
Riverside Bank450 N Mcdonald AveDeland, Florida 32724-3634
Riverside Bank351 E New York AveDeland, Florida 32724-5509
Suntrust Bank302 E New York AveDeland, Florida 32724-5585
Gateway Bank4110 NW 37th Place, Suite CGainesville, Florida 32606
Florida Capital Bank Of Gainesville5023 NW 8th AveGainesville, Florida 32607
1st Credit Union of Gainesville412 E University AveGainesville, Florida 32601
Alarion Bank4373 Newberry RdGainesville, Florida 32607
Alarion Bank Gainesville4373 W Newberry RdGainesville, Florida 32607-2240
American General Finance4110 SW 34th StGainesville, Florida 32608-6528
American General Finance5205 NW 39th AveGainesville, Florida 32606-5850
American General Finance1121 NW 76th BlvdGainesville, Florida 32606-6752
Bank of America7100 Southwest Archer RdGainesville, Florida
Bank of America7606 W Newberry RdGainesville, Florida
Bank of America333 5th AveIndialantic, Florida 32903-4261
Fidelity Federal305 5th AveIndialantic, Florida 32903-4238
Regions Bank232 5th AveIndialantic, Florida 32903-3156
Rnb Indialantic417 5th AveIndialantic, Florida 32903-4240
Wachovia Offices1060 N Highway A1aIndialantic, Florida 32903-2909
Bank of America888 Cypress Gardens BlvdWinter Haven, Florida 33880-4728
Bank of America3010 Cypress Gardens RDWinter Haven, Florida 33884-2257
Bank of Central Florida515 N Broadway AveBartow, Florida 33830-3919
Center State Bank3550 Lake Ashton BlvdLake Wales, Florida 33859-5755
American Enterprise Bank of Fl10611 Deerwood Park BlvdJacksonville, Florida 32256-0509
American General Finance1706 Southside BlvdJacksonville, Florida 32216-1964
American General Finance10909 Atlantic BlvdJacksonville, Florida 32225-2933
American General Finance1036 Dunn AveJacksonville, Florida 32218-6359
American General Finance6677 103rd StJacksonville, Florida 32210-7100
American General Finance13249 City Square DrJacksonville, Florida 32218-7237
American General Finance7200 Normandy BlvdJacksonville, Florida 32205-6271
American General Finance10400 San Jose BlvdJacksonville, Florida 32257-6359
Ameris Bank8705 Perimeter Park BlvdJacksonville, Florida 32216-6353
Anderen Bank4655 Salisbury RdJacksonville, Florida 32256-0902
Midflorida Federal Credit Union129 South Kentucky AveLakeland, Florida
Sunshine State Federal Savings & Loans Association102 W BakerPlant City, Florida 33566
Sunshine State Federal Savings & Loan Associations6620 Gall Blvd Medical SquareZephyrhills, Florida 33539
First National Bank Of Pasco13315 US Hwy 301Dade City, Florida 33525
American General Finance7333 Gall BlvdZephyrhills, Florida 33541-4372
American General Finance1130 Havendale BlvdWinter Haven, Florida
American General Finance903 N Wilson AveBartow, Florida
American General Finance4277 S Florida AveLakeland, Florida
American General Finance101 W Main StLakeland, Florida
American General Finance4292 US Highway 98 NLakeland, Florida
Sunshine State Federal Savings & Loan Associations6620 Gall Blvd Medical SquareZephyrhills, Florida 33539
American General Finance7333 Gall BlvdZephyrhills, Florida 33541-4372
American General Financial Services2533 Windguard CirWesley Chpl, Florida
Bank of America5632 Gall BlvdZephyrhills, Florida 33542-3413
Bank of America1910 Bruce B Downs BlvdWesley Chapel, Florida 33544-9262
Bank of America7435 Gall BlvdZephyrhills, Florida 33541-4374
Bank of AmericaPo Box 7585Wesley Chapel, Florida 33545-0110
Centerstate Bank West Florida6930 Gall BlvdZephyrhills, Florida 33542-2513
Centerstate Bank West Florida36239 State Road 54Zephyrhills, Florida 33541-2271
Citifinancial27709 State Road 56Wesley Chapel, Florida 33544-8836
BANK OF AMERICA ATM1801 Nw Hwy 19 Crystal River Mall 82Crystal River, Florida 34428
Brannen Banks of Florida11472 N Williams StDunnellon, Florida 34432-5846
Drummond Community Bank2nd StCedar Key, Florida 32625
Perkins State Bank345 Highway 40 WInglis, Florida 34449
Superior Bank11392 N Williams StDunnellon, Florida 34432-8318
Indian River Federal Credit Union2800 20th StVero Beach, Florida 32960-6698
1st Natl Bank & Trst Co Bnkng Locations Vero Sr606030 20th StVero Beach, Florida 32966-1021
American General Finance2160 58th AveVero Beach, Florida 32966-4647
Bank of America1500 S Highway A1aVero Beach, Florida 32963-3107
Bank of America601 21st StVero Beach, Florida 32960-5494
Bank of America710 S Fleming StSebastian, Florida 32958-5015
Bank of America5780 20th StVero Beach, Florida 32966-4641
Bank of America6300 Highway A1aIndian River Shores, Florida 32963-3406
Bank of AmericaVero Beach, Florida 32960
Bank of AmericaVero Beach, Florida 32960

Monday, May 21, 2012

Wisconsin Banks List that do not have chexsystems?

Looking for a Wisconsin Banks List that do not have chexsystems?Below list is the complete list of banks in Wisconsin United States America.It might offer a free checking account which do not have chexsystems checking account.




































































































































































































































































































































































































































































































































Associated Bank607 E Spruce StAbbotsford, Wisconsin
Citizens Bank115 S Bagley AveBagley, Wisconsin 53801
Peoples State Bank115 S Bagley AveBagley, Wisconsin 53801
Hayward Community Credit UnionCable, Wisconsin 54821
State Bank of DrummondCable, Wisconsin 54821
Security BankPO Box 248Dallas, Wisconsin 54733-0248
Chase111 W Main StEagle, Wisconsin 53119-2025
Citizens Bank OF MOKWONA G OS90 W35680 Hwy NnEagle, Wisconsin 53119
Citizens Bank of MukwonagoS90W35680 County Road NnEagle, Wisconsin 53119
Mid Wisconsin Bank111 N Front StFairchild, Wisconsin 54741-8260
Bank of Galesville16893 S Main StGalesville, Wisconsin 54630-7704
Citizens First BankW25042 Hwy 54 & 35Centerville, Wisconsin 54630
Seven Bridges Bank16893 S Main StGalesville, Wisconsin 54630-7704
Hiawatha National BankN1555 770th StHager City, Wisconsin 54014-8027
First National Bank148 N Main StIola, Wisconsin 54945-9120
Marion State Bank505 E State StIola, Wisconsin 54945-9616
Premier Community Bank505 E State StIola, Wisconsin
Mid America Bank2317 Milton AveJanesville, Wisconsin 53547
American General Finance2833 Milton AvJanesville, Wisconsin
Anchor Bank100 W Racine StJanesville, Wisconsin
Anchor Bank2215 Holiday DrJanesville, Wisconsin
Associated Bank1717 S Center AvJanesville, Wisconsin
Associated Bank2525 Milton AveJanesville, Wisconsin 53545-0451
Associated Bank2720 N Lexington DrJanesville, Wisconsin
Bank Mutual2111 Holiday DrJanesville, Wisconsin
Chase18 N Arch StJanesville, Wisconsin 53548-3404
Chase100 W Milwaukee StJanesville, Wisconsin 53545
Bank Of Kaukauna264 W Wisconsin AvKaukauna, Wisconsin 54130
ChaseN3980 Columbia AveKaukauna, Wisconsin 54130-7570
Citizens Bank205 E Fourth StKaukauna, Wisconsin
East Wisconsin Savings Bank Sa1805 E Main StLittle Chute, Wisconsin 54140-2455
East Wisconsin Savings Bank Sa109 W 2nd StKaukauna, Wisconsin 54130-2499
East Wisconsin Savings Bank SaN3947 Columbia AveFreedom, Wisconsin 54130-7553
Harris Bank201 Main AveKaukauna, Wisconsin 54130
Thrivent Financial For Lutherans3083 White Birch StKaukauna, Wisconsin 54130-3934
State Bank Financial401 Main StLa Crosse, Wisconsin 54601
American General Finance1423 State Road 16La Crosse, Wisconsin 54601-2980
Associated Bank2402 N Rose StreetLa Crosse, Wisconsin
Associated Bank3956 Mormon Coulee RoadLa Crosse, Wisconsin
Associated Bank1630 South Losey BlvdLa Crosse, Wisconsin
Associated Bank605 State StreetLa Crosse, Wisconsin
Citizens Bank3800 State Road 16La Crosse, Wisconsin 54601-1826
Citizens State Bank620 Main StSte LOWRLa Crosse, Wisconsin 54601-1303
Coulee Bank1516 Losey Blvd SLa Crosse, Wisconsin 54601-6199
Dunham Paul Insurance Agency Inc2100 State Road 16La Crosse, Wisconsin 54601-3046
Park Bank1815 Greenway CrossMadison, Wisconsin 53713
Affordable Bankruptcy139 W Wilson StMadison, Wisconsin 53703-3236
Amcore Bank3003 E Washington AvMadison, Wisconsin
Amcore Bank8020 Excelsior DrMadison, Wisconsin
Amcore Bank4702 Verona RdMadison, Wisconsin
Amcore Bank6698 Odana RDMadison, Wisconsin 53719-1012
Amcore Bank14 W Mifflin StStop 1Madison, Wisconsin 53703-4308
American General Finance2105 Zeier RDMadison, Wisconsin 53704-7423
American General Finance6708 Odana RDMadison, Wisconsin 53719-1066
Anchor BankMadison, Wisconsin 53703
First Bank Financial CentreHartland, Wisconsin 53029
Bank Mutual8780 S Howell AveOak Crk, Wisconsin
Chase7980 S Howell AveOak Creek, Wisconsin 53154-2932
Fidelity Federal125 E Puetz RdOak Creek, Wisconsin 53154-3236
Guaranty Bank8561 S Howell AveOak Creek, Wisconsin 53154-2920
M & I Bank8900 S Howell AveOak Creek, Wisconsin 53154-3832
Maritime Savings Bank111 W Ryan RDOak Creek, Wisconsin 53154-4436
MidAmerica Bank125 E Puetz RdOak Creek, Wisconsin 53154-3236
North Shore Bank8701 S HowellOak Creek, Wisconsin
State Farm Insurance111 E Forest Hill AveOak Creek, Wisconsin 53154-3050
Tcf Bank8995 S Howell AveOak Creek, Wisconsin 53154-3803
Palmyra State Bank111 E Main StPalmyra, Wisconsin 53156-9330
U W Credit Union950 W Main StPalmyra, Wisconsin 53156
American General Finance2215 Lathrop AveRacine, Wisconsin 53405-4136
Associated Bank5439 Durand AveRacine, Wisconsin 53406-5058
Associated Bank2406 S Green Bay RDRacine, Wisconsin 53406-4924
Bank Mutual3039 S Green Bay RDRacine, Wisconsin 53403-9415
Bank Mutual5133 Douglas AveRacine, Wisconsin 53402-2029
Bank of Elmwood2704 Lathrop AveRacine, Wisconsin 53405-4159
Brown Jeremy L2053 Taylor AveRacine, Wisconsin 53403-2413
Chase500 Wisconsin AveRacine, Wisconsin 53403-1051
Chase5815 21st StRacine, Wisconsin 53406-5050
Chase4930 Douglas AveRacine, Wisconsin 53402-2465
Anchor Bank2071 Glacier DrSaint Croix Falls, Wisconsin 54024-9249
Bank Mutual144 N Washington StSt Croix Fls, Wisconsin 54024
Eagle Valley Bank102 N Washington StSaint Croix Falls, Wisconsin 54024
Investment Center101 Washington NSaint Croix Falls, Wisconsin 54024
The Riverbank2191 US Highway 8Saint Croix Falls, Wisconsin 54024-8326
The Riverbank2183 Us Highway 8Saint Croix Falls, Wisconsin 54024
Affordable Mortgage201 Helen Walton DRSte 4Tomah, Wisconsin 54660-3307
Farmers & Merchants Bank1001 Superior AveTomah, Wisconsin 54660-2001
Farmers State BankTomah, Wisconsin 54660
Federal Land Bank AssnTomah, Wisconsin 54660
First Bank222 W Mccoy BlvdTomah, Wisconsin 54660-3291
Ria Federal Credit UnionFort Mccoy Ext 2171Bldg 2105Tomah, Wisconsin 54660
State Farm Insurance601 N Superior AveTomah, Wisconsin 54660-1587
Thrivent Financial For Lutherans26673 County Road C ATomah, Wisconsin 54660
Thrivent Financial For Lutherans1200 Superior AveTomah, Wisconsin 54660-2642
Timberwood Bank102 E Veterans StTomah, Wisconsin 54660-3101
Community State Bank1500 Main StUnion Grove, Wisconsin 53182-1718
First Banking Center1201 Main StUnion Grove, Wisconsin 53182-1303
Investment Center of Community State Bank1500 Main StUnion Grove, Wisconsin 53182-1720
North Shore Bank1101 Main StUnion Grove, Wisconsin 53182-1302
Amcore Bank610 W Verona AveVerona, Wisconsin 53593-1835
AnchorBank420 W Verona AvVerona, Wisconsin
Bank of VeronaVerona, Wisconsin 53593
Capitol Bank108 E Verona AveVerona, Wisconsin 53593-1219
Independent Bank108 N Main StVerona, Wisconsin 53593-1102
Park Bank104 S Main StVerona, Wisconsin 53593-1420
State Bank of Cross Plains108 N Main StVerona, Wisconsin 53593-1152
Thrivent Financial For Lutherans115 S Main StVerona, Wisconsin 53593-1419
Thrivent Financial For Lutherans7256 W Mineral Point RdVerona, Wisconsin 53593-9678
Laona State Bank4519 N Branch StWabeno, Wisconsin 54566
Peoples State Bank1905 Stewart AveWausau, Wisconsin 54402
Abby Bank2100 Stewart Av Ste 100Wausau, Wisconsin 54401
Advantage Community Bank210 N 17th AveWausau, Wisconsin 54401-4223
American General Finance1800 Stewart AveSte 200Wausau, Wisconsin 54401-5394
American General Finance400 Scott StWausau, Wisconsin 54403-4826
American General Finance303 1st StWausau, Wisconsin 54403
American General Finance2711 Stewart AveWausau, Wisconsin 54401-4140
Associated Bank2711 W Stewart AvWausau, Wisconsin
Associated Bank205 Central Bridge StWausau, Wisconsin
Time Federal Savings Bank900 South 17th AveWausau, Wisconsin 54401
Walworth State Bank105 N Hwy 67Walworth, Wisconsin 53184
Peoples BankElkhorn, Wisconsin 53121-1138
1st Bank Southeast of Lake Geneva N AHighway H NLake Geneva, Wisconsin 53147
Anchor Bank772 W Main StSte 204Lake Geneva, Wisconsin 53147-1835
Associated Bank100 E Geneva SqLake Geneva, Wisconsin 53147-9693
Associated Bank850 N Wisconsin StElkhorn, Wisconsin
Bank of Genoa City235 Freeman StGenoa City, Wisconsin 53128
Chase426 Center StLake Geneva, Wisconsin 53147-1906
Chase38 N Washington StElkhorn, Wisconsin 53121-1750
Citizens Bank10 N Lincoln StElkhorn, Wisconsin 53121-1747

Thursday, November 24, 2011

Free non chexsystems bank 2011

Free non chexsystems bank 2011 for all!I know more than 80% bank in US now using chexystems to verify new bank checking account.However below listed bank was said banks that do not use chexsystems.Check it out.





































































BankLocation(s)Online Banking?
Access National BankVirginiawww.accessnationalbank.com
Apple Creek Banking CompanyOhioNo Website
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 of GueydanLouisianaNo Website
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

Saturday, September 17, 2011

How to Get off Chexsystems-Complete Guide

If you're like most people, the biggest problem in getting OFF the ChexSystems list is that you simply don't know where to start. This isn't surprising -- the banking system is not designed to be simple for you -- it's designed to be profitable for the big banks. They don't want to make it easy for you! As a result, there is simply no clear information for consumers on how to get off ChexSystems. For example...

Most people assume that ChexSystems has correct information. Including the banks that are turning you down for new accounts! This is a terrible assumption, and can be flat out wrong.
Do you know that some people estimate that 70-80% of the records maintained by ChexSystems have errors in them?

That's right. ChexSystems, like other companies, is not perfect. They collect millions of records of data from hundreds of thousands of reporting financial institutions each year. They are bound to make errors. The unfortunate situation with ChexSystems is that an error in your report can be devastating to you!
Do you know that ChexSystems is a "credit reporting agency" and is required by law to remove certain information from the report they have on you?

The banking system is full of little known information like this. As another example, did you know that there isn't a "ChexSystems.com" website? They simply don't want you to have easy access to information! This makes it very difficult for people in your situation. Luckily, I love helping people by revealing the secrets of the system and helping you use the secrets to your advantage. Here are some of the things you will learn...
With one simple letter, you can put the ball in ChexSystem's court to prove that certain information in your report is legitiimate. If ChexSystems can't verify the information is legitimate, they need to remove the information from your report. That's right, you can force ChexSystems to remove the information in your report that is preventing you from opening a new bank account!

Within a few hours of downloading the "Guide to Get Off Chexsystems", you'll become an expert in how to get off the ChexSystems list. Believe it or not, getting off ChexSystems is just like anything else in life...

It's Easy. Once You Know How...

I can't tell you how many people have told me "I'd love to try to get off the ChexSystems list, but I just don't know how to do it." Or, "I've seen the sample letters and tips on the Internet, but they are just too confusing."

You can do it. You just need to follow the simple steps laid out in the "Guide to Get Off ChexSystems" I love helping people like you level the playing field with the big, powerful banks. Its very rewarding. Why should the big banks have all the power? I say "give the power to the people"!

Let's face it. We've all had some banking problems in the past, but don't let it get you down. Why should a bounced check or two prevent you from getting the bank account you deserve? Or worse, why should a mistake by your old bank or ChexSystems have such a huge negative impact on your life!? Don't let these mistakes continue to affect you! Take action now. If you can read this letter than you have what it takes to learn every secret I will share with you in an exciting new home study course called the "Guide to Get Off ChexSystems".

he "Guide to Get OFF ChexSystems" contains more step-by-step, easy-to-learn, easy-to-use ChexSystems secrets than any other source. In fact, the information in the "Guide to Get OFF ChexSystems" is so powerful, we have to disclose to you upfront that it is sold for informational purposes only.

You have NOTHING to lose.

Did I mention that I am providing the "Guide to Get Off ChexSystems" ... with a MONEY BACK GUARANTEE?? That's right. By teaming up with a number of amazing partners, you can get the "Guide to Get Off ChexSystems" right now, for free. Simply choose from among hundreds of trial offers from one of our partners, and you'll get instant access to the "Guide to Get Off ChexSystems". You have nothing to lose, and possibly a new bank account to gain!
Here's what to do next...

Simply click the Order Now Buttom at the bottom. It's as easy as that. You'll be taken to a fast and simple checkout page (you can pay with PayPal, Visa, MasterCard.... whatever). You can order 24 hours a day, 7 days a week, and get immediate and INSTANT ACCESS to the "Guide to Get Off ChexSystems" web page on this 100% safe and secure site. The Guide is delivered in a simple Adobe Acrobat document that you will have instant access to and that works regardless of whether you own a PC or a MAC. (We respect your privacy and your information will never be sold, shared or rented to a third party ... ever!)
Getting Your Copy of the "Guide to Get Off ChexSystems" is easy. Use our Secure Server by clicking the Order Now Button below. Note: this Guide usually sells for $79.95! This is the downloadable ebook version, available instantly 24 hours a day. No print course will be mailed.

Friday, September 16, 2011

What happened if listed in Chexsystems?

Frequent ask questions is what will happened if one got listed in the chexsystems list.The fast and easy way, you will not have the permission to open a new checking accounts for at least 5 years you are listed in chexsystems list.If you happened or threaten listed in the chexsystems please check what goes wrong immediately or else you will end up 5 years with no checking accounts.

You can either contact ChexSystems at 1-877-382-7226, or request your report here:
https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm

If you confirm then, do not panic.There is still ways to solve your problems.Ever heard of non-checking banks?Some of them listed here in this chexsystems info blog, and some you may find from the search engine.Numerous website and blogs revealed which banks do not use chexsystems to verify new accounts and which banks does.All you have to do now is some searching and jot down all banks that identified as non-chexsystems banks and try to call up them for confirmation.Some also allows black listed chexsystems name to open checking account as long as they can proves that they already settle their bad credit report with evidence.

Chexsystems info:More people with credit problems

To be exact, we does not know how many people having credit problems.Chexsystems does not revealed so much information about who's on the list or how much people with credit problems to public.However, these recent trends shows that chexsystems list is on the rise.This means more people can't open a checking account because of chexsystems list .
checking-problems
The Federal Reserve often conducts analysis of consumer finance related topics to identify banking and finance trends. In early 2009, the Federal Reserve published the results of a “Survey of Consumer Finances” from 2004-2007. The Survey focused on a number of different aspects of consumer financial behavior, and one of the areas was whether consumers use checking accounts (and, if not, why they don’t use them).

Wednesday, September 14, 2011

Non chexsystems checking account -Norwest Bank

If you are in Wisconsin,or near to it, there is one bank that offers no chexsystems. Norwest Bank that located in Milwaukee reportedly offers their "Get Checking" money management class.They will for those with a negative in their ChexSystems record. They will grant an account after completion of the class. Norwest has locations throughout the state and in a good part of the country, so we'ld like to hear if this option is available elsewhere too!

Also, apparently at some Wisconsin branch locations of TCF National Bank, some account reps are eager to open new accounts and will skip the ChexSystems verification process. The branch locations at the Jewel Osco stores don't use ChexSystems at all, we're told. Also, the branch location at 5500 West Capitol Court in Milwaukee is very good! If you learn of any other branches where this happens, let us know! Also, be aware of their "funds availability" policy for new accounts. You most likely aren't going to have access to your money until two weeks after your first deposit.

Tuesday, September 13, 2011

Non chexsystems checking account

Some searches is looking for Chex systems some checksystems, but actually they are looking for chexsystems.But no matter what keywords they used inside the search engine, their purpose is one.If you are new to this chexsystems info, you might need to bookmark this blog first.Chexsystems info will be updating a list of non chexsystems checking account which means a no chexsystems banks used by the bank.I will update time to time list of non chexsystems banks available for you.Upon information published, then you can gather it and choose the best banks to go for a bank accounts opening.

Chexsystems e-fund is a headache for some people.Simply because some of them had bad records on their credit report.So, by listing out a list of non chexsystems checking account , it might help those in needs to deal with banks.Their records is save and unquestionable whenever there is no chexsystems checking account implement to those banks i will update here in this list of non chexsystems info blog.Hope this might help people out there to deal with chexsystems checking account problems.

Monday, September 12, 2011

Banks that do not use chexsystems-Complete list part 2

There was a lot of searches on  free list of banks that don't use chexsytems.I've got it guys, they were actually trying to get a hold on a free list of Chexsystems banks that actually do not use chexsytems in their bank. Here are some of the bank in the United States that  doesn't use chexsystems. This is a free list of Banks that don't use chexsytems in Massachusetts.

Massachusetts
Bank Of New Hampshire

Some banks in Massachusetts that we have been told do not use chexsystems. If, you know of a bank that we have listed that does use chexsystems please email me. If you know of a bank in Massachusetts that doesn't use chexsystems and we don't have it listed please let us know so we can list it here for others. Thank you.

Hope this will help people out there!

Sunday, September 11, 2011

ChexSystems in the eyes of American

Ask the average American who or what ”ChexSystems” is, and you’ll get a blank stare. The unlucky people who do know about ChexSystems are usually painfully aware of how severely it can affect their lives. If you are on ChexSystems’ list, you have probably experienced the pain and frustration of not being able to open a new bank account, write checks, or use an ATM card (the core banking conveniences that everyone seems to take for granted). Unfortunately, millions of Americans are on (or have been on) the list, and are unable to enjoy these banking conveniences.

If you are on the list, it is important for you to know what ChexSystems is (and what they are not). ChexSystems is not a bank or a financial institution. Instead, they are a large consumer reporting agency (CRA) that maintains a nationwide database of banking customers who have been reported for writing bad checks, defrauding banks, having unpaid bank debts, or having too many “non-sufficient funds” (NSF) items. ChexSystems is owned by a large publicly traded company, eFunds, Inc. ChexSystems tries to (and has succeeded!) keep a low public profile. They don’t have a company Web site, and it is relatively difficult to find information about them.

Like the other large CRA’s (such as Experian and TransUnion), ChexSystems tries to distance itself from the problems it causes, claiming that it is simply a provider of information, and that it is the banks who use ChexSystems’ data who are the bad guys for turning customers down for new bank accounts. ChexSystems’ marketing materials claim that the company has no responsibility for the decisions banks make, stating that “ChexSystems neither approves nor declines accounts for banks and credit unions. The decision is entirely up to them.”

This is a convenient position to take. However, the fact is that ChexSystems (like the other CRAs) is not perfect. They make mistakes and errors can find their way into consumer’s records. The problem is that an error in a ChexSystem record has a severe and dramatic impact on a consumer. Even a simple error in a consumer’s banking history can prevent that customer from opening a new bank account (or could even result in the customer having their current banking relationship terminated!). That is a LOT of power for a CRA to have.

Other consumer’s find out that their banking record has been ruined as a result of identity theft. For example, a common scheme for some identity thieves is to open a bank account under someone else’s name, using a stolen social security number, and then take out a payday loan or two using the assumed identity. The funds are then withdrawn from the account, and the account is abandoned, eventually resulting in an account closure or NSFs. Unfortunately, the person whose identity was stolen now ends up on ChexSystem’s list. Unless you take steps to clear this situation up, you will be stuck on ChexSystems’ list (even worse, you’ll be stuck there for five years or more!).

As a consumer, if you have been informed that you have a bad mark in your ChexSystems’ file, you need to act quickly to try to resolve it. Unfortunately, ChexSystems doesn’t make it easy for you to clear up a bad mark (even if it is clearly in error).
Lots of people have never heard of ChexSystems until they have some banking problems. Then, you may be told the bad news that your bank account is being closed because you are on a list maintained by a company called “ChexSystems”. Then you need to find out: What is ChexSystems?

Sunday, June 19, 2011

Non chexsystems credit union

Credit Union is one of the best alternative for people who have been listed in chexsystems list.
In Arizona, Desert Schools Federal Credit Union has some branch locations which use Equifax instead of ChexSystems to verify new accounts. 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, let us know so that we can post that information here.

Saturday, January 8, 2011

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 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, 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!

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, 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

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