Non chex systems bank and Rants

In the event you say have completed any of the following, you may be denied a new bank account:
one. Cashed a few bad checks
two. Failed to repay a bank loan
three. Currently are behind on checking account overdraft fees
four. Been convicted of bank fraud

The powers of technologies have wrought changes in the way financial organizations screen new checking account candidates.As you see, there is a massive range between the things that can get you in trouble with a bank. Cashing bad checks is common, while bank fraud is not. These things definitely don’t deserve the same punishment. Yet, banks treat a that commits fraud the same as a that has cashed a few bad checks or even has had a checking account closed down because of unpaid debts.

One time your name gets added to the banking blacklists (called the ChexSystems list), it’s much impossible to open up a new checking account with any of the major financial organizations. And these days, that means you will be blacklisted from 95% of the banks out there. This means if your account is closed down at bank, you will be unable to open up a new bank account with a very separate bank. This is a massive deal for people. How are you able to survive without a checking account in today’s modern world. Not basically that’s for positive.

Here’s some of the non chexsystems bank list for your reference.If you want to open a checking account, and can’t open one this might be handful for you.Check it out.

Market Place Bank – http://www.marketplacebank.com/

Net Bank – http://www.netbank.com/

Centura – http://www.centura.com/

USE Credit Union – https://www.usecu.org/home/home – They are willing to look at your Chexsystems on a case by case basis. Your best chance is to make sure you pay all Chexsystems items off before applying to have the best chance.

Golden1 Credit Union – https://www.golden1.com/ – Also willing to work with you like USE Credit Union.

San Mateo Credit Union – http://www.smcu.org/

Bank of America – http://www.bankofamerica.com/ – Apparently, they are getting more lenient with Chexsystems reports. If your name is on Chexsystems because of BofA, you will not have a chance at opening a new account. Those who had problems with other banks have a chance with Bank of America. Also, it is beneficial to pay off all chexsystems items.

SunTrust – https://www.suntrust.com/

Here are the banks in Alabama 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 us. If you know of a bank in Alabama 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.

Please refer to below Dispute ChexSystems letter :
Letter # 1 (This is Your Original Dispute with ChexSystems)

Your Name
Your Address

ChexSystems Consumer Relations
7805 Hudson Road
Suite 100
Woodbury, MN 55125

Date

RE: Consumer ID # (your consumer ID # here)

Dear Collections and Consumer Relations Dept.:

I have recently been informed that there is negative information reported by (name of bank) in the file ChexSystems maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a “(condition such as NSF)” in (month/year).

I am unaware of ever having a “(same as condition above)” from this bank.

Please validate this information with (name of bank) and provide me with copies of any documentation associated with this “(same condition as above)” bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information
be immediately deleted from the file you maintain under my Social
Security number.

My contact information is as follows:

Your Name (printed or typed, not signed)
SSN
Address

This is perhaps not a complete Non chex systems banks list around.But most of it is considered working for some people whom already tried it out.So, check banks that near to you by calling them.If they confirmed a Non chex systems banks, then immediately arrange for an appointment.Good luck!

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 **

Source: Non chex systems banks

To remove yourself from CHEXSYSTEMS is actually pretty easy.

First Contact ChexSystems and obtain your ChexSystems report.

ChexSystems

Attn: Consumer Relations

7805 Hudson Road, Suite 100

Woodbury, MN 55125

FAX
602-659-2197

ChexSystems

Consumer Relations

1-800-428-9623

(Recording only-Instructions)

Once you receive your report from CHEXSYSTEMS, they provide you with an investigative form to investigate the items on your report.

Use this form, fill it out accordingly listing the items as not yours, and mail the form back. They will send you a new copy of your chexsystems report once their investigation is completed.

If nothing came off, simply do it again, and change the information stating that it belongs to someone else, and that it is not your item.

Simply continue this practice until the items are in fact removed from CHEXSYSTEMS.