ChexSystems list « Non chexsystems banks

Sep 17

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.

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Sep 17

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.

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Sep 16

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).

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Jan 4

List of Non Chexsystems Banks in New York

Finding a non chexsystems in New York, a big city is not an easy task is it?Well, let me help you a little bit which banks offer a non chexsystems checking account for you to join in.Anyway it is not confirm whether all these banks works.Check it out and inform us here if it is not working anymore for those who are loooking for non chexsystem bank.

New York Non Chexsystems Banks:

Abacus Federal (212) 285-4770
Allied Irish Bank (212) 339-8000
Alternatives Federal Credit Union
Bank Of New Hampshire
Bank of New York
Columbia-Barnard Federal Credit Union
Community Bank (716) 532-3363
Cross County Federal Savings Bank
First Entertainment Federal Credit Union
Great Eastern Bank
Homestead Savings: (315) 797-1350
Ticonderoga Federal Credit Union
Tompkins County Trust Company
United Orient Bank (212) 349-1100

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Dec 28

Credit Unions list for non chexsystems checking account

Guys, here a Credit Unions list for your perusal.I know it is not a complete compilation of list for Credit Unions available online.But these Credit Unions banks were only available in Alabama.Should you have any experience using these credit unions and by pass the chexsystems checking, please share with us here.Thanks!

Alabama State Employees Credit Union
Family Security Credit Union
Heritage House Federal Credit Union
Mutual Savings Credit Unions
Park Community Federal Credit Union

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Dec 13

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.

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How to Get around Chex Systems

Nov 29

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

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Sep 19

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!

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Jul 26

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 .

Legend
* Federal Credit Union
** Credit Union

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Jul 19

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.

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