DHK

Non-ChexSystems Banks &/or Credit Unions (Master Thread)

Recommended Posts

just a update.

I am in checks, unpaid (well. reported I DID pay it) for 230 in feb 07, unpaid for 80 11/06. strolled in to TCF (Twin City Federal) with proof of payment for the Feb/07 (most banks will open if you can prove you paid) and was not asked for anything paperwork wise at all. Honestly, I don't think they even checked chex. There was nothing in the bank that suggested they used chex any longer.

It's nice to be banking 300 feet from home, before I was I close to 100 miles from home.

Share this post


Link to post
Share on other sites

WaMu approved me and I could not get an account at BoA. My gf is on chexsystems and she got an account at WaMu.

WaMu also has 4.75% APY on a regular savings account (no minimum balance)

You also get $.03 per purchase made with your debit card. So if you use your debit card 3x a day that's $32.85 a year, just for using your debit card.

You get all this with WaMu Free Checking.

You can use WaMu as strictly as an online bank, I live in Alabama and there's no branches in AL.

Share this post


Link to post
Share on other sites

University Federal Credit Union in texas will open an account without a Chexsystems check. Wells Fargo turned me down, and I went across the street, and UFCU opened the account for me.

Share this post


Link to post
Share on other sites

USAA.com uses telecheck, and TCF which has locations all over does not use ChexSystems as well. I have had luck getting items removed from Chex in the past using the same process as with CRAs or CAs. My old bank did not verify the info (maybe because it was paid?), so it was removed ... :roll:

Share this post


Link to post
Share on other sites

Also, now that I am not on Chex, I still have a hard time getting an account because many banks check credit too - I honestly feel like I did when I was on Chex because I have been turned down by about 4 banks in the last week. My Chex prolly has too many inquiries now for me to even get an account - it's all an uphill battle!

Share this post


Link to post
Share on other sites

Does anyone no of a non chexsystems bank and a no credit check bank?

I have been searching online and keep getting web sites trying to sell you their products. I knew I saw something here but it must have been a year or so ago.

I knew it was here somewhere and found the answer! I forgot to post this link incase anyone else has the same questions. http://www.creditinfocenter.com/FeaturedArticles/ChexSystems.shtml

Share this post


Link to post
Share on other sites

If you live in Houston Plus4 Credit Union does not check chexsystem. They do check telecheck. However they will still let you open a savings account but it will have some restrictions. When they check credit they pull Equifax.

Good Luck

Share this post


Link to post
Share on other sites

I just applied on line with BofA and got approved and I am on Chexsystems... Use the online applaication and you will not have any problems.

Share this post


Link to post
Share on other sites

I know the thread is about Banks who do not use chexSystems, but I thought I would mention that I applied for a checking account with Charles Scwab (where I have what little stocks I still own at) and they pulled both EQ and ChexSystems.

I was denied I'm sure because your credit has to be pretty pristine for them I think, and I don't think I have anything in ChexSystems. I was living in TN when I applied if that makes any difference.

Share this post


Link to post
Share on other sites

Thought I'd add that my local US Bank branch would open accounts for people who are on Chexsystems... as long as you aren't flagged for any previous fraudulent activity. Previous outstanding balances are okay. Got this information from the local US Bank branch manager. This manager said he's been with US Bank for 8 years and this has always been their policy.

Their mindset is that if you're on chexsystems, that you're not going to do it again and that you'll value a relationship that would give you a "second chance".

This is in California. (And no, I doubt you'll find anything about their policy online at their website, but you might want to contact your local bank branch and ask some questions.)

Personal Banking from U.S. Bank

Share this post


Link to post
Share on other sites

BofA just closed my checking account because they thought I committed check fraud but I have a police report proving that I was a victim of a scam. But the bank closed my account before doing any investigating and now I'm sure they reported me to Chexsystem. I still have another account with TD bank and they have not closed me out yet but I don't know about the future. Just a heads up, BofA uses Chex

Share this post


Link to post
Share on other sites

Bank of the West in Foothill Ranch, CA opens business accounts with a ChexSystems pull on the business' EIN only unlike other banks that pull the signer's Chex report as well.

Share this post


Link to post
Share on other sites

Eagle Community Credit Union in Lake Forest, CA will open a regular checking account for someone who is in ChexSystems as long as you paid the NSF over 1 year ago.

 

They approved me for a savings without a paid notation, I disputed, got it listed as paid and according to the rep I spoke to yesterday I can come into the branch and get my checking set up as if I was never in ChexSystems!

 

I'll post here once the account is open. (just to confirm that I was told the right thing on the phone)

Share this post


Link to post
Share on other sites

Sorry for the delayed post. Eagle did open my checking account, and I've had a great experience with them. Membership is open to people who live, work, worship or attend school in Orange County, CA, and federal employees in multiple Southern California counties.

Share this post


Link to post
Share on other sites

Well, since we're talking about 'banks' that don't pull chexSystems, what about car loan lenders?  

I was turned down online by Capital One for a checking account (I have a car loan and a credit card with them (nothing negative on either) and so I applied online for a checking account and was denied. A few minutes later I received an email stating that it had been due to my ChexSystems report and the contact information to get a copy of my CS report.

 

I just received my CS report in the mail today and there is NOTHING on it, no negative or derogatory items at all.  There is, however, 4 inquiries over the past 3 years (besides Cap1s) and all of them but 1 are from over a year ago, two are actually 2 years ago.

 

The one from last month?  For Flagship Acceptance.  This was apparently someone the dealership ran mine and my kid's credit through when we bought his car (I co-signed).  This wasn't the lender that financed him, but I thought it was pretty weird today when I saw that they had pulled my CS report for an auto loan application.

 

Just an FYI  (still not sure why Cap 1 denied my checking account app??)

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.