Non chexsystems banks

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.

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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.

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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.

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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

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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.

Ever heard about Technology Credit Union ?Well, this is one more list to take note in my personal list on Non chexsystems checking account.Technology Credit Union is in California,USA.It was reported it branch in Mountain View, Milpitas, San Jose, and Sunnyvale is a Non chexsystems checking account.

Technology Credit Union will overlook negatives in your ChexSystems record as long as you have a letter from the reporting bank or other proof that “all items owed have been paid”.Normally they require this.Why not try Technology Credit Union to see whether they are using chex systems to verify customer that previously have a bad record.

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