Non chex systems bank and Rants

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Chexsystems is one of the most troublesome for some of us specifically people who are from United States.It’s pain in the ass if you stuck into chexsystems list.No doubt that 90% of all banks in United States used chexsystems as their reference.So, whoever had problems on their credit or previous bad credit report it will be a problem to them to open a new checking account.

One of the idea is finding the non chexsystems banks available.However one of the best way to get out of the chexsystems is through cleaning all your bad credit reports.Right after that get chexsystems to clear up your names from chexsystems list.Anyway, one of these links might also be a big help for you.

http://chexsystems.us/2010/11/non-checksystem-in-wisconsin/
http://chexsystems.us/2010/11/chexsystems-how-to-get-out-from-chexsystems-list/
http://chexsystems.us/2010/11/finding-a-non-chexsystems-banks/
http://chexsystems.us/2010/10/non-chexsystems-banks-frost-national-bank/
http://chexsystems.us/2010/10/first-internet-bank-of-indiana-chexsystems-2/
http://chexsystems.us/2010/10/which-banks-do-not-use-chexsystems-2/

Hope links above help you!Thanks

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!

Which banks do not use chexsystems?Well one of the highest searches on chexsystems topic was about Non checksystem in wisconsin.Not sure which area did this information known, but it was reported people who get it from wisconsin.So perhaps you should check it there.

I do not think trying will harm you in any way to get a good bank which offers a Non checksystem.So get up from your seat and make some calls or try find it out on your own.

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.

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.