Non chexsystems banks

Today’s Topic: What is ChexSystems?

Put simply, ChexSystems is a “Credit Reporting Agency”.

ChexSystems is sometimes referred to as the “fourth credit bureau”. You are probably familiar with the big three credit bureaus (Experian, Equifax and Trans Union) — they are the companies that provide the data that makes up your credit score. ChexSystems doesn’t provide a credit score. Instead, they provide data and information to banks so that banks can make better decisions about who they should allow to open new bank accounts. Banks lose billions of dollars each year due to check fraud. That’s why they rely on data from ChexSystems to try to identify people who have committed check fraud or had bad banking relationships in the past. The theory is that by using data from ChexSystems, banks and credit unions will avoid opening accounts for people who are likely to commit check fraud or create losses for the bank.

Most banks and credit unions use ChexSystems data to screen customers before opening new accounts. Some sources estimate that 80-90% of the banks and credit unions in the U.S.use ChexSystems data. So, if you are on their list, your choice of banks is severely limited.

ChexSystems simply reports information about you to the banks. They don’t “deny” you for a checking account — the banks are the ones who decide how to use information in your ChexSystems record to let you open (or not let you open) a checking account. The key, as we will discuss in the next few days, is making sure ChexSystems doesn’t report ANY bad information about you to the banks.

The “Guide to Get Off ChexSystems” has much more information about ChexSystems and how they operate, and is required reading to figure out how to deal with them. You can still get the Guide (and enjoy our 100% guarantee!) by ordering now.

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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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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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Some bank did not use chexsystems as their main checking account for bad records account holder.For an example,Capital Bank of North County has two branch locations, in Carlsbad.They actually uses Telecheck instead of ChexSystems e-fund upon verifying new accounts.

So, it is not the same system even though it is similar usage, which is to check account holder records.However, not all branches for Capital Bank of North Count uses Telecheck system.Most of them uses chexsystems e-fund to track previous records of people applying for accounts.So, just try it out Capital Bank of North County branches in Carlsbad.

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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.

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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!

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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?

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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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The ChexSystems provides verification services to deposit account to the members of your financial institution to help identify applicants that you may have a history of account mishandling. The service seems useful, and it is for banks and financial institutions. It helps them to be alert for fraud and other abuses. Habitual and those who intentionally write checks must have their criminal activities recorded in ChexSystems. However, not all activities are negative instances of fraud or intentional misuse. Many consumers have written at least one check that has bounced back and if he had closed a checking account in the negative and not pay the negative balance in time, the bank had informed consumers ChexSystems.

Each report submitted to ChexSystems remains on file for five? You, unless the bank or credit union that filed the report with them has been eliminated or ChexSystems becomes obligated to delete the file in accordance with the law . However, if a collection is reported amount is paid, it is obliged to mark the account as paid.

If reporting to ChexSystems sure not to close the checking accounts of any other you may have. Pay all overdraft fees as soon as possible. Make a good personal check in which they are written out. Once you have paid the overdraft fees and satisfied everyone that had received a returned check, then make sure you have an explanation of the material inserted into your ChexSystems file.

Just because you are in ChexSystems, there are still ways to get a checking account in a bank. Sometimes this can be overlooked by the official bank of what may be able to open a new account. There are also many online banks that offer second chance checking accounts to people who have been reported to ChexSystems.

A special offering to open an account, called their “Primary Access”,from PNC Bank.So, especially for those with negatives records in their ChexSystems report previously now can show proof that “all items owed have been paid” accordingly.

However, be bare in mind that this is just a savings-only account.Still, with a savings account you can use online services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.It is much easier.If you know some PNC Bank that offers this, please share it here so that everyone can benefits from it since i don’t have the source.

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