Non chex systems bank and Rants

In a free society, you have certain rights that no one can rob you. These include the freedoms to pursue their own career choices, live anywhere, and spending time with those you choose. Unfortunately, the right to their own bank account is not included in that list – although sometimes it feels like it should be.

In the case of banks, any bank may reject a new checking or savings account for any reason they like. Of course, most banks want your business long – and less given a reason to do so – would not want to turn away new customers.

That all changes, however, if your name is on something called Chex Systems.

What is Chex Systems

In case you do not already know, Chex Systems is a database of risk management of all types. Banks will register your name on this database if they feel they have done something in the past so that you pose a potential risk to themselves and other banks.

Of course, banks not only record the names of some of the clients in this system of risk management – also check this database to consider the request for checking a potential customer.

His name can report a number of reasons. However, the common thread of all of these reasons is that the bank thinks you might be a bank risk.

How to get your name removed from the database

If you have applied a new checking account in recent weeks or months, but have been rejected, but one or more banks, it is very likely that your name appears on Chex Systems.

You probably think your name has been reported in error, especially if you have a bank record squeaky-clean and have not committed any crime deserving the name is there.

Unfortunately, it is very difficult to get his name removed from the system. The only way is to wait a period of months or years before it is removed. A better option is to open a bank account without Chex-Systems.

Open a bank account – No Chex Systems Banks

A Chex-Systems has no bank is just what it sounds like – a checking account through a bank that does not refer to this database of bank risk when considering your application.

These banks are basically like any other bank – except for a promise to never look Chex Systems to consider your application. Your chances of being approved, thus nearly 100%.

Get a complete list of non-Chex Systems banks in your area: What banks do not use ChexSystems?.

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Looking for free bank account?I bet if you get yourself stuck into chexsystems list, you might get trouble on getting a new checking account.So now you are trying to get a a free bank accounts for yourself but failed to do so.Ok, i have good news if you are one of them categorize as people with bad credit and stuck into chexsystems.Below is listed non chex banks where Bank accounts for people with bad credit is allowed.Perhaps not all below still offering free bank account.You will just have to check for yourself.

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 **

Legend
* Federal Credit Union
** Credit Union

Non chexsystems banks in Alabama is search by bankview.info for those who did not have the opportunity to open up a new checking accounts.This of course, due to a chexsystems applied to most of the banks in America.So the following banks either do not use ChexSystems, or they do not hold a consumers ChexSystems record against them when approving checking accounts:

Ameris Bank www.amerisbank.com
Colonial Bank www.colonialbank.com
Compass Bank www.compassbank.com
National City Bank www.nationalcity.com
SouthFirst BancShares www.southfirst.com
Armed Forces Bank www.afbank.com
Whitney Bank www.whitneybank.com

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.