Non chex systems bank and Rants

Get Checking™ is a national program of education that you have the right to get a checking account, regardless of the ChexSystems record. The program was originally developed in Wisconsin, a group of companies, banks and government agencies. The main objective of this Get Checking is to help people manage their money effectively and to educate their checkbooks balanced. Get Checking comes from the sponsorship of the UW-Extension and eFunds Corporation (parent company of ChexSystems, Inc.)

Get Checking program must attend a six-hour workshop provides educational organization in question. At the end of the class, you will receive a certificate that they completed the program successfully. After the program, which also has the right to ChexSystems report basically confirms that began an upgrade process for consumer education. With the certificate in hand, you can open a new account at a bank of union members or credit card. Your teacher will give you a list of participating banks and credit unions at the end of the class. The registration fee is $ 50.

Who can apply for the program?
The program is open to all consumers, but is only useful for people who are not “fraudulent” activities listed in ChexSystems report. Moreover, in order to qualify for a new checking account, you must meet all requirements before because of their banks and / or cooperative banks.

Website: GetChecking.org

Update 10/28/09: Get Checking program was officially stopped. However, it seems, is replaced by the new partner program called  Checking Network USA

Banks are going through a significant transformation as they talk. We are at the moment through an interval in which the banks are getting tested now more than ever by the legislators, securities commissions, for the media and people. Banks are increasingly asked, rather than in the past, to be accountable for their actions.

In addition to known problems in recent years on subprime loans, banks are also preventing another battle: to identify potential buyers really should be considered very low compared to high-risk customers.

If you have been rejected for a new checking account in the last days or perhaps weeks, which could probably be experiencing a lot of frustration. The truth is that rejection is probably because his name has been informed of something called ChexSystems.

? What is ChexSystems?

You may already have heard of ChexSystems but does not recognize just what it says. It was created by a company called eFunds for several years. In essence, it’s really just a database used by banks to inform others about clients who have shown so far banks risky behavior.

Unlike the FICO or credit punctuation, that ChexSystems does not use a rating technique. Rather, if your name appears simply from the database, it will be possible to be rejected for a new bank account of any concerns.

Risky habits that enables a bank customer’s title report to ChexSystems can possibly contain something serious as bank fraud. But possibly may also consist of behaviors such as not paying back the bank shortly after a questionable overdraft fee was assessed to your account, or may need to questions about how they had been using his debit card .

Why do the banks work with ChexSystems much more than in the past

Give each of the controls of the banks are low through the government, are using ChexSystems extra than ever in determining whether to approve an application for a new account. Indeed, 80-90% of all banks see ChexSystems when evaluating new applications of the current account.

The vast information: You can escape!

If your software current account is rejected extra time, which will probably be feeling incredibly frustrated about their circumstances. Shortly after all not have the ability to get a new checking account can really put a cramp in your financial life. And while it may be almost unable to obtain your identification removed from the database, it is certainly a gap: it is possible to find a bank that does not see use ChexSystems at all. These banks are available, if you know how to find them.

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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/

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

Stuck in a chexsystems list is a pain I understand that.However if some people claim that he can offer you a non ChexSystems bank account make sure that some critical rules need to check before you trust any of those non ChexSystems bank account.

1. First of all ensure that the bank is insured under FDIC . According to the FDIC web site:

“The FDIC – short for the Federal Deposit Insurance Corporation – is an independent agency of the United States government. The FDIC protects you against the loss of your deposits if an FDIC – insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.”

In a nutshell, if you decide to open a bank account with an institution that isn’t FDIC insured, you could basically lose all of your money if that institution goes out of business. So it’s extremely important to verify the banks status before you open an account. You can easily verify that a bank is FDIC insured at the FDIC web site.
2. If it’s a credit union, make sure it’s NCUSIF insured. NCUSIF insurance is similar to FDIC insurance, except it’s for credit unions. According to the National Credit Union Association web site:

“The shares in your credit union are insured by the National Credit Union Share Insurance Fund (NCUSIF), an arm of NCUA. Established by Congress in 1970 to insure member share accounts at federally insured credit unions, the NCUSIF is managed by NCUA under the direction of the three-person NCUA Board. Your share insurance is similar to the deposit insurance protection offered by the Federal Deposit Insurance Corporation (FDIC).”

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. This is one of the easiest ways to weed out the bad seeds. Banks with physical branches are always legitimate financial institutions.
4. Do some background work on the bank. Do a WHOIS search to view the registrant for the banks domain name. If it’s a single person, that should raise a red flag. It should always be the banks name or corporate name. Look on the banks web site. There should be separate telephone and fax numbers, and a legitimate street address – not a PO box. You can always call 411 to confirm that the telephone number matches the address listed. But also keep in mind that some banks have a central location where they answer general calls.

5. Make sure the bank DOESN’T require you to use direct deposit in order to open the account. There are some financial services that offer checkless checking accounts. (This isn’t a scam as far as I can tell.) But what if you don’t get direct deposit? Or what happens if you switch jobs, and no longer receive your checks through direct deposit? Then you’re basically back at square one. And what if you want to use checks? I mean a checkless checking account kind of defeats the purpose of obtaining a checking account at all.

6. Make sure the institution doesn’t charge you for common items like monthly statements, telephone services, and withdrawls. I recently noticed a financial service charging outrageous fee’s for options that are normally provided for free through regular banks and credit unions. They were charging for everything but the kitchen sink, including: a fee to check your balance at the ATM, a fee to receive a monthly statement, a fee if you wanted to return something you purchased from a retail store, a fee for using their automated telephone service. And that was just the tip of the iceberg!

One of the Bank which said Non-chexsystems banks is Bank USAA.
USAA is a fantastic bank,with amazing rates and great customer service. The only problem is that
they only open new accounts for people who:

are (or were) in the military (any branch), or
have a family member who was (or is currently)
in the military. If you,your spouse, mom, dad,
or even siblings are or were in the service, call
USAA now!

How do I contact ChexSystems?
CALL
C
1-800-428-9623
(Recording only-Instructions)

WRITE
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125
FAX
602-659-2197