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How to make it through life when ChexSystems stops you from opening a checking account.

No checking account? Direct deposit your payroll or monthly income check, check balance online, instant account number attached to a MasterCard Debit card.  Free approval,  then a monthly fee. An easy way to bank while investigating issues with ChexSystems.
Instant Account Number

 

  • Guaranteed Approval-Apply for free!

  • No ChexSystems or Credit Bureau inquiries

  • Pay any bill online service (Car, Rent, Utility)

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  • Deposit payroll and government checks directly to your card
    Unemployment, Social Security, Welfare, Medicare, Disability

  • Access cash at more than 1 million ATMs

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    How ChexSystems works

    Banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. They report you if your account is closed for a reason. Banks report accounts to ChexSystems for different reasons.

    Here are some examples:

    • Bank was not able to collect for an overdraft. ATM transaction, or automatic payment which they honored on insufficient funds.

    • Multiple overdrafts.

    • Savings Account, debit card or ATM abuse.

    • Fraud.

    • Providing false information in opening account.

    Each incident stays on your record for FIVE full years from the date the incident was reported.

    Once an incident is reported to ChexSystems it can be hard to remedy. Many banks tell you their policy is not to open a checking account for you if you have one or more incidents reported. If the information is not correct read further down this page on how to challenge incorrect listings. If the amount is affordable, pay it off. I have heard some banks may take you back after they are paid off.
     
    How can I access my ChexSystems report?
    If you been denied by a bank in the past 60 days, you may receive a report at no charge. Otherwise, there is an $8 charge. When contacting ChexSystems by mail or fax, be sure to always include your name, address, and Social Security Number (SSN).
    Request a copy of your report in by writing by mail:

    Customer Service
    12005 Ford Road, Suite 600
    Dallas, TX 75234-7253

    ChexSystems toll free telephone number
    (800) 428-9623
    local (972) 280-8585
    Fax: (972) 241-4772

    Contact ChexSystems online? ChexHelp

    Non ChexSystems banks? Free list
    ChexSystems.net Search

    chexsystems - Yahoo!

    chexsystems - Google Search

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