merkurfan Posted November 5, 2007 Report Share Posted November 5, 2007 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. Quote Link to comment Share on other sites More sharing options...
NewLife4Me Posted November 29, 2007 Report Share Posted November 29, 2007 Anybody knows of any nashville TN banks or credit unions that dont use chex system? Quote Link to comment Share on other sites More sharing options...
epark28 Posted November 29, 2007 Report Share Posted November 29, 2007 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. Quote Link to comment Share on other sites More sharing options...
ParaLegal Posted December 2, 2007 Report Share Posted December 2, 2007 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. Quote Link to comment Share on other sites More sharing options...
Amerikaner83 Posted March 15, 2008 Report Share Posted March 15, 2008 WAMU Uses ChexSystems in WA state.... Quote Link to comment Share on other sites More sharing options...
spunk999 Posted March 22, 2008 Report Share Posted March 22, 2008 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 ... Quote Link to comment Share on other sites More sharing options...
spunk999 Posted March 22, 2008 Report Share Posted March 22, 2008 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! Quote Link to comment Share on other sites More sharing options...
superdude Posted May 26, 2008 Report Share Posted May 26, 2008 WaMu uses Chex in NJ Quote Link to comment Share on other sites More sharing options...
superdude Posted May 26, 2008 Report Share Posted May 26, 2008 Wachovia does not use Chex, they do a soft pull.The Way2Save program is great. Quote Link to comment Share on other sites More sharing options...
mca Posted August 3, 2008 Report Share Posted August 3, 2008 Everyone has mentioned chexvictims.com .. I have now moved chexvictims.com to chexvictims.net and my list of banks is now located at http://www.chexsystemsvictims.com/ Quote Link to comment Share on other sites More sharing options...
young-fab-broke Posted August 25, 2008 Report Share Posted August 25, 2008 WaMu pulls ChexSystems in NC Quote Link to comment Share on other sites More sharing options...
Fairy Enchantress Posted January 21, 2009 Report Share Posted January 21, 2009 Everyone has mentioned chexvictims.com .. I have now moved chexvictims.com to chexvictims.net and my list of banks is now located at http://www.chexsystemsvictims.com/chexvictims.net does not work. Quote Link to comment Share on other sites More sharing options...
Fairy Enchantress Posted January 21, 2009 Report Share Posted January 21, 2009 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 Quote Link to comment Share on other sites More sharing options...
mca Posted February 26, 2009 Report Share Posted February 26, 2009 here is where the new chexvictims is located http://www.chexsystemsvictims.com Quote Link to comment Share on other sites More sharing options...
Fixrite Posted January 22, 2010 Report Share Posted January 22, 2010 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 Quote Link to comment Share on other sites More sharing options...
PoorBoy1 Posted April 5, 2010 Report Share Posted April 5, 2010 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. Quote Link to comment Share on other sites More sharing options...
NeedsCreditCPR Posted February 2, 2011 Report Share Posted February 2, 2011 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. Quote Link to comment Share on other sites More sharing options...
DHK Posted December 10, 2011 Author Report Share Posted December 10, 2011 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 Quote Link to comment Share on other sites More sharing options...
Try2getlifeback Posted January 27, 2012 Report Share Posted January 27, 2012 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 Quote Link to comment Share on other sites More sharing options...
veteransadvocate Posted March 8, 2012 Report Share Posted March 8, 2012 I don't think it should be a huge issue if it's just a soft pull on your credit. Quote Link to comment Share on other sites More sharing options...
halohonk Posted March 17, 2013 Report Share Posted March 17, 2013 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. Quote Link to comment Share on other sites More sharing options...
halohonk Posted July 13, 2013 Report Share Posted July 13, 2013 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) Quote Link to comment Share on other sites More sharing options...
halohonk Posted January 11, 2014 Report Share Posted January 11, 2014 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. Quote Link to comment Share on other sites More sharing options...
dragon_slayer Posted April 13, 2015 Report Share Posted April 13, 2015 wrong when I opened up my account bank of america used chex systems!! Quote Link to comment Share on other sites More sharing options...
myscoresawful Posted April 17, 2015 Report Share Posted April 17, 2015 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??) Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.