Category Archives for Chexsystems

No Chexsystems Bank List | Second Chance Banks

Most people don’t know about ChexSystems until they are denied for a bank account. ChexSystems is a national database used by banks to determine if an applicant is a risk, much like a credit report. ChexSystems maintains a list of consumers who have in some way mishandled the use of a savings or checking account, such as failing to pay bank fees or bouncing checks.About 80% of banks screen applicants through ChexSystems before a new account can be opened. If you are in the ChexSystems database, you will have trouble getting a new bank account for 5 years until the information is deleted.

What’s in Your ChexSystems Report

Anyone who has ever had a U.S. bank account has a ChexSystems record. Banks report many types of information to ChexSystems, including lost checks or debit cards, your check-ordering history, the number of accounts you have applied for in the last 90 days, and your Social Security number or driver’s license number. The information that can make it impossible to get a regular bank account includes:

  • Abuse of debit card, savings account, or ATM for risky or dishonest behavior.
  • Unpaid negative balances, typically for outstanding NSF fees
  • Bounced checks and overdrafts. This is usually only a problem with multiple instances.
  • Involuntary account closure.
  • Outstanding checks in SCAN database of returned checks, or checks that are sent or issued to a collection agency, returned, or fraudulent.
  • Suspected identity theft or fraud.

How to Avoid a ChexSystems Record

If your account is negative or you are otherwise going to trigger a report to ChexSystems, the best thing to do is contact your bank. most banks will work with you if you can show a real effort toward bringing your account in good standing. Contacting someone at your bank branch can also stop the overdraft cycle.

The following tips can also help you maintain a positive bank record to avoid a ChexSystems record or help you become eligible for a regular bank account.

  • Do not opt in for overdraft protection. Banks are now prohibited from charging overdraft protection fees unless consumers opt in. Overdraft protection allows banks to allow customers to temporarily overdraft their account with their debit card without sufficient funds to cover the purchase in exchange for an overdraft fee of around $35. If you don’t opt in, a debit card transaction above your account balance can’t go through.
  • Plan ahead when closing an account. Sometimes recurring payments will go through, even though an account has been closed or the payments have been deactivated. In this case, you can still be on the hook for overdraft fees. Make sure you turn off or transfer recurring payments before closing an account and consider leaving a small amount of cash for a month or two.
  • Find out your bank’s ChexSystems policy. Some banks use a grace period or have a minimum debt amount before they report to ChexSystems, while others conduct sweeps to randomly check existing accounts for customers with ChexSystems records, in which case the accounts are frozen and closed unexpectedly.

Requesting Your ChexSystems Report

You have the right to request your report from ChexSystems if you have been denied a bank account in the last 60 days. You are also entitled to a free copy of your consumer report once every 12 months under the Fair and Accurate Credit Transaction Act. You can visit the ChexSystems website to make your request by phone, mail, fax, or online to receive your report within 5 business days.

After receiving the report, your next step is clearing up fees you owe to any banks on your report. When you pay the fees, make a request that they send in an updated report that the account has been paid. You also have the right to dispute incorrect information directly with ChexSystems.

What is a Second Chance Bank Account?
Second chance bank accounts are different from regular bank accounts. You will be better off with a regular bank account, but a second chance account may be your only option until negative information about you is removed from ChexSystems. On the list of second chance banks, you will find that most charge a monthly fee of $10-15 or more and you may be required to maintain a minimum balance. (http://www.thesimpledollar.com/second-chance-checking/)

Banks That Don’t Use ChexSystems

The good news is getting a checking account while on ChexSystems isn’t impossible. Our list of non ChexSystems banks makes it easier to find banks that offer second chance banking until you’re able to qualify for a regular bank account.

You may even be surprised to learn that you don’t need to settle for a small local bank or credit union for a second chance bank account. There are a few major banks that offer full checking accounts despite being blacklisted on ChexSystems. This includes Wells Fargo and PNC Bank. One of the best options is BBVA Compass, which has over 680 branches. You can apply for the BBVA Compass ClearChoice Free Checking account online. If you are denied for a regular account, BBVA Compass will automatically offer their Easy Checking account, which is their second chance bank account solution.

The following is a list of banks that don’t use Chexsystems. This list is made as accurate as possible, but some of these banks may have updated their policies to use ChexSystems. It’s a good idea to ask the bank about their policy before you try to open an account. If you find a bank on our non ChexSystems banks list that isn’t accurate, please let us know! Use the map below to find a second chance bank in your state.

Non Chexsystems banks in Alabama

Non Chexsystems Banks in Alabama

Non Chexsystems Banks in Alabama

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Non Chexsystems banks in Massachusetts

Non Chexsystems Banks in Massachusetts

The history that you have with banking institutions can cause you many problems if you are in Florida. Two major players that you have to worry about are ChexSystems and TeleCheck. They are both organizations that can stop you dead in your tracks when you try to open a bank account. The following is some information about these organizations and what you can do if you have such problems.

About ChexSystems and TeleCheck

ChexSystems is a consumer reporting agency that is similar to a credit bureau, but it only deals with the banking industry. TeleCheck is a similar company, but it deals with non-banking institutions, as well. Both of these agencies collect information about consumers and keep it in their database for banks, retailers and like establishments to review. The information that they keep usually pertains to the consumer's treatment of bank accounts and banking products. TeleCheck focuses on consumers who write bad checks and ChexSystems deals more with bank account mismanagement, which has several definitions. Mismanagement could involve bouncing checks, over-drafting, maintaining extended negative balances and leaving those balances unsettled. If either of these companies has you in its database, banks may deny you an account. Retailers may refuse your checks if you have an account.

How to Resolve a Chexsystems Dispute​

You can request a ChexSystems or TeleCheck report that will disclose the information that you need to resolve the issue. The report will tell you the date of the incident, the owed party and the balance that you have to pay to make it right. Settling the dispute is always a better solution than just looking for banks who don't use ChexSystems or TeleCheck, but sometimes the latter is your only option.

Alternative Banking Options

You have a few alternative options when it comes to finding a place to put your money. You can try a credit union. Consumers sometimes prefer credit unions to banks because the members own them. They have lower loan interest rates and such, as well. Many non ChexSystems credit unions exist, so you can look into some of those. Another option that you may want to try is looking for Florida banks that dont use ChexSystems. Many of the large banking institutions use it, but you may find some smaller non ChexSystems banks in florida. Sometimes brand new banks forego these systems, as well.

Getting a Checking Account While on ChexSystems

If you don't want to go the route of looking for non-ChexSystems banks, you can try second chance banking in Miami FL or second chance banking Jacksonville FL. Second chance checking accounts Florida options are from banks that already know your history isn't perfect but are willing to give you a second chance. You can review the list of alternative options and then make sure that you contact each one for recent information. Some banks may have recently employed the TeleCheck and ChexSystems technology, and some may still be willing to help you.Take some time to conduct some research, and you will find a place that you can store your funds. As time passes, you can mature in your financial responsibility profile, as well.

Non Chexsystems Banks in Florida

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Non Chexsystems banks in Florida

Non Chexsystems Banks in Florida

The history that you have with banking institutions can cause you many problems if you are in Florida. Two major players that you have to worry about are ChexSystems and TeleCheck. They are both organizations that can stop you dead in your tracks when you try to open a bank account. The following is some information about these organizations and what you can do if you have such problems.

About ChexSystems and TeleCheck

ChexSystems is a consumer reporting agency that is similar to a credit bureau, but it only deals with the banking industry. TeleCheck is a similar company, but it deals with non-banking institutions, as well. Both of these agencies collect information about consumers and keep it in their database for banks, retailers and like establishments to review. The information that they keep usually pertains to the consumer's treatment of bank accounts and banking products. TeleCheck focuses on consumers who write bad checks and ChexSystems deals more with bank account mismanagement, which has several definitions. Mismanagement could involve bouncing checks, over-drafting, maintaining extended negative balances and leaving those balances unsettled. If either of these companies has you in its database, banks may deny you an account. Retailers may refuse your checks if you have an account.

How to Resolve a Chexsystems Dispute​

You can request a ChexSystems or TeleCheck report that will disclose the information that you need to resolve the issue. The report will tell you the date of the incident, the owed party and the balance that you have to pay to make it right. Settling the dispute is always a better solution than just looking for banks who don't use ChexSystems or TeleCheck, but sometimes the latter is your only option.

Alternative Banking Options

You have a few alternative options when it comes to finding a place to put your money. You can try a credit union. Consumers sometimes prefer credit unions to banks because the members own them. They have lower loan interest rates and such, as well. Many non ChexSystems credit unions exist, so you can look into some of those. Another option that you may want to try is looking for Florida banks that dont use ChexSystems. Many of the large banking institutions use it, but you may find some smaller non ChexSystems banks in florida. Sometimes brand new banks forego these systems, as well.

Getting a Checking Account While on ChexSystems

If you don't want to go the route of looking for non-ChexSystems banks, you can try second chance banking in Miami FL or second chance banking Jacksonville FL. Second chance checking accounts Florida options are from banks that already know your history isn't perfect but are willing to give you a second chance. You can review the list of alternative options and then make sure that you contact each one for recent information. Some banks may have recently employed the TeleCheck and ChexSystems technology, and some may still be willing to help you.Take some time to conduct some research, and you will find a place that you can store your funds. As time passes, you can mature in your financial responsibility profile, as well.

Non Chexsystems Banks in Florida

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

Non Chexsystems banks in Texas

Non Chexsystems Banks in Texas

Having a personal bank account that has savings, checking, CD or even all three is something you shouldn't go without because it can help keep your money safe and accrue interest. Plus having a bank account can help you establish residency in your local area when you have to fill out important paperwork. But if you're a Texas resident who has had troubles with previous bank accounts, you might need to look for second chance banks in Texas.

What ChexSystems Means For You

If you've ever had a bad history with banks such as writing checks that bounced, mismanaging and accumulating overdrafts with fees and other penalties, or defaulting on other obligations, you might have a bad ChexSystems score. ChexSystems is an agency that reports on people who've held bank accounts and scores them from 100 to 899 with the lower score indicating they're a high risk, and the higher score indicating a low risk. If you've had one or more bank accounts closed by the bank because you improperly managed the account, you could be considered a high risk by CheckSystems.

When that happens it can be difficult to open a future bank account in Texas. But don't lose hope because there is still a chance for you to bank. One thing to note about the ChexSystems is they only keep records of bank accounts for five years, so if you check your ChexSystems report and see any errors in it, you may be able to get them removed or simply wait your time until bad items are removed from your ChexSystems report. But if waiting is not an option, you can look into banks in Texas that dont use ChexSystems.

How Texas Non ChexSystems Banks Can Benefit You

While most banks in Texas want to limit their patrons to those who've had good banking history and are deemed low risk on ChexSystem's scores, there are some banks that understand that people make mistakes or go through financial hardships. Texas banks that dont use ChexSystems are available for people who have had struggles in the past. Or you might find second chance checking accounts in Texas banks that accept you even if you have a low ChexSystems or credit score.

Sometimes if you have had a little more trouble or a really bad ChexSystems score, the second chance banks may have other requirements you have to follow. For example, they may ask you to place a reserve deposit in case you have any financial difficulty with them so that they have funds with which to cover mistakes. They might even have additional fees you have to pay to maintain a checking account, but if you are able to rebuild your banking reputation within about a year or two, you may be able to have those fees removed or move up to a better checking account.

There are banks in Texas that do not use ChexSystems because they want to be more inclusive in who they allow and want everyone to have checking options. This Texas banks list includes most of those banks with non ChexSystems or second chance options. But be aware some banks may perform other checks such as credit history.

Non Chexsystems Banks in Texas

Bank Name

Phone Number

Abacus Federal

(212) 285-4770

Allied Irish Bank

(212) 339-8000

Community Bank

(716) 532-3363

Cross County Federal Savings Bank

(718) 651-4600

Are you looking to open a Bank Account but you have ChexSystems problems or Bad Credit?

Try opening a BBVA Compass Free Checking Account! BBVA is one of the top banks in the US and they may give you a REGULAR bank account when you apply online...even with bad credit history or Chexsystems records.

If for some reason, you don't qualify for the regular BBVA checking account, you'll have the opportunity to open the BBVA Compass Easy Checking Account, the most forgiving account designed specifically for those with banking problems....

Learn more about BBVA Second Chance Banking!

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