looking for non-ChexSystems Bank to open checking account?
Tuesday, October 13th, 2009
at
3:48 am
marva h asked:
Banking Institutions, On-Line Banking services, Internet Banking Etc.
Banking Institutions, On-Line Banking services, Internet Banking Etc.
Filed under: Online Banking
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Unfortunately most banks and financial institutes have chex systems services as a liability,
I recommend you try opening an savings account at a bank that will accept chex systems,
I work at UMB bank were pretty much only located in Kansas City, Oklahoma etc. but a lot of the times we accept customers on chex systems and give them a savings account (you still have access to an ATM card and PC banking)
and we give a time period and see if the account is in good standing and then open a checking account.
I hope that helps!
Only about 80% of the banks use chexsystems.
This is what you do if you need an account. Doesnt matter if a bank uses chexsystems or not. Any bank manager can open an account for you. Even if you are listed on chexsystems. Just be honest with the bank manager and explain why you are on it. You might call 10 different branches of the same bank. You only need one manager to say yes. There isnt any secret code, the manager just has to say open it. Tellers wont be able to do it.
Also check with different banks. US bank for example has second chance checking. They know you are on chexsystems so your account is checked every month. If you bounce a check they will close your account. But they will give you an account. WAMU has the same thing in most areas.
If you have 100 dollars go to 10 different branches of the same bank and open an account. You only need 1 person to say yes. But I would suggest calling them first. You have to talk to the bank manager. He probably doesnt care.
When I was a bank manager and if my teller opened that account that person could be fired. How many people that said to me can you open this account? Its like crap I dont care. I never told anybody no, unless they were on chexsystems for fraud.
Just ask a manager.
At my bank if a manger allows an account with a check systems record to be opened loss prevention will usually shut the account down later so be careful with that. There are bank that dont use the systmes but I cant really name any off hand.
At chexvictims.com we offer a free list of banks and credit unions for those on chexsystems. Unfortunately the site is down right now but should be back up in about a week.
Yes US bank is a good option if you live near an ” in store ” location ( not a regular branch. The in store locations have been giving accounts to those on chexsystems without any problem at all, you may want to call ahead to make sure they are one that can help you before you go in. DO NOT APPLY ONLINE !
Here are a few others that may help you as well .
Bank Of America
URL:
Special Note:
People are getting accounts even outside of these guidelines at this time
Email:
Thank you for contacting Bank of America.
If you have been reported to Chex Systems, Bank of America will be unable to open a new account for you until you have been removed. You are normally on Chex Systems for five years (this was formerly seven years.) The new guidelines are as follows:
- Bank of America will increase the threshold for reporting accounts closed for non-fraud related overdrafts to $100.00.
- Bank of America will disregard Chex Systems reports based upon non-fraudulent activity that are older than three years.
- Bank of America will disregard a Chex systems report for non-fraudulent activity that is older than a year if the overdraft has been paid.
- Bank of America will disregard a Chex system report for non-fraudulent activity if the applicant completes a financial responsibility course and has repaid the overdraft.
- Bank of America will continue to inform customers about Chex Systems upon opening an account and at least 30 days prior to closing an account.
It will be necessary to bring all pertinent data and information clearing you of any liabilities to a banking center, and depending on your situation, a bank manager can make a decision as to whether or not an account can be opened for you.
If you wish to contact Chex Systems directly, you may write or call: Chex Systems
Sincerely,
Nicole R.
Bank of America
FSNB
URL:
Important Information:
They use a credit check..some people have been turned down due to credit but most are approved. They do not use chexsystems or Telecheck. Anyone can get an account with them regardless of location.
Special Notes:
You must call and request an application be mailed to you FSNB# (800) 749-4583 New Accounts
If you do not set up direct deposit, you will only get an ATM card for the first 4 months, ( then you need to call New accounts and request one ) If you set up direct deposit ( wait until the 2nd direct deposits hit the account ) call and ask them to send you a VISA debit card.
They also have a special added feature called Temporary Overdraft.
- no credit check -no applications – no forms to fill out – they give you an advance , up to your lowest of the last two deposits, for the $16 fee.
FSNB charges $1 fee for not using one of their ATM’s, plus any ‘foreign’ ATM fee
Transpotation Alliance Bank
URL:
Special Note
It has been reported that this bank does not use chexsystems and that ANYONE can get an account with them
Important Information:
STEP 1 – Open An Account
To open an account with Transportation Alliance Bank, fill out an Application. Fill in the blanks, click the submit button, then print the page, sign it and mail or fax it to us so we can begin processing and opening your account. Once your account is open, you will have access to all of our bank’s services, including FREE online banking, Online Bill Pay, 24-hour automated telephone banking, and Flying J discounts and rebates.
Note: We must have a signed application (by mail or fax) to open your account.
STEP 2 – Fund Your Account
The BEST way to fund your account on a regular basis is by Direct Deposit of your paycheck. With Direct Deposit, you’ll get Online Bill Pay for FREE.
+ Direct Deposit Request Use this form to notify your employer (or other source) to begin placing deposits in your new account automatically.
The FASTEST ways to get your account funded and started are found below:
+ Make deposits using 3rd Party Checks: ComCheck, T-Chek, EFS, TCH-Check, or even Western Union®. These are considered guaranteed funds and are available within an hour. They can be done 24 hours a day, 7 days a week by calling our customer service department.
+ You can send money from an external bank account by wire. You will have same-day access to your money.
+ You can request money from an external bank account by ACH transfer, which you must set up before hand. You will have access to funds within two business days. 90 days after opening your account you can apply for Transportation Alliance Bank Express ACH , which gives you access to transferred funds within one business day.
+ You can also buy a Flying J gift card at any Flying J and call our customer service department to deposit that money into your account.
+ Or you can just mail in a check (with a deposit slip).
Once your account is funded, you can view your account balance information or make transfers anytime online or via our customer service department. When you receive your card, just call to activate it and begin using it anywhere MasterCard® is accepted. Cash can be withdrawn at any ATM where MasterCard® is accepted, including over 160 Transportation Alliance Bank ATMs conveniently located in Flying J Travel Plazas nationwide.
STEP 3 – Access Your Account
Setting up your Online Banking Account has never been so easy. Go to our homepage. On the Secure Login section in the top left corner of the page, you will see boxes for your User ID and Password. This is where you will enter that information, once you have set up your Online Banking Account. To set up your Online Banking Account click on the First Time User link below the User ID box. Then enter the requested information to verify your identity, and then choose a User ID and Password. Then use that User ID and Password to log into your account.
STEP 4 – Order Checks
To order checks for your account, just call our customer service department at 800-355-3063. A customer service representative will order your checks for you. You can go to to see the different styles of checks you can order. The cost of checks, which varies depending on the style, start as low as $10 for 150 checks. Delivery takes about two weeks.
Congratulations, You’re Done!
With the above steps complete, you are ready to start enjoying the advantages of Transportation Alliance Bank. Should you need additional help, please call 1-866-TAB-BANK (1-866-822-2265).
Peoples Cash Solutions
URL:
Email:
Thank you for your interest in Peoples Cash Solutions!!
We may or may not use one or all the ones you listed, BUT they have no effect on whether or not you are approved. You could be in one or in all of them & have bad credit & still be approved.
We require a minimum of a $25.00 account opening deposit (this is not a fee & all is deposited into your account), a clear copy of an unexpired government issued ID (drivers license) and a clear copy of your completed application. If you are considering applying – I would recommend mailing in ALL at once to the address provided for Peoples Bank.
I hope this helps!!
Thanks,
PCS
Special Note:
It has been reported that they use chexsystems but no one is turned down and you can get an account here regardless of where you live
Have you ever been denied a checking account before because of past problems with ChexSystems or TeleCheck? The Peoples Cash Solutions program is the answer for you, and it’s FREE! We want to give you a chance to establish a banking relationship as the first step toward improving your credit record and to allow you to begin building and accumulating assets.