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


DHK
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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.

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  • 3 months later...

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:

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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!

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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

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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.

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  • 10 months later...

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

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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

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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)

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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??)

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