Been Turned Down For A Checking Account ? Try These Banks



If you’ve wound up in ChexSystems, you know how difficult it is to get a checking or savings account. ChexSystems is a consumer reporting agency that provides account history to financial institutions to help with identifying applicants who may have a history of account mishandling.

Approximately 80% of U.S. financial institutions report to ChexSystems. Their database has records of some 19 million accounts closed due to negative activity. Each report remains in their files for 5 years unless the bank or credit union that filed the report requests its removal, or if ChexSystems is required to remove it under applicable law as a result of a consumer dispute process.

You can request a copy of your report by calling ChexSystems customer service at (800) 513-7125. If you tell them that you have been denied an account at a bank or credit union within the past 60 days, then you will receive your report for free. If not, they will charge you $ 8.00.

We’ve heard that ChexSystems doesn’t verify if you’ve been denied an account recently and will simply take your word for it, and send you a report for free. Once you have received your report you can begin the dispute process by mail, they have 45 days to comply.

Here’s a list of Banks and Credit Unions that don’t require a perfect ChexSystems record. Decisions are generally made on a case by case basis when considering an individual for a new account.


Non-ChexSystems Banks and Credit Unions Directory

Alabama Hawaii Massachusetts New Mexico South Dakota
Alaska Idaho Michigan New York Tennessee
Arizona Illinois Minnesota North Carolina Texas
Arkansas Indiana Mississippi North Dakota Utah
California Iowa Missouri Ohio Vermont
Colorado Kansas Montana Oklahoma Virginia
Connecticut Kentucky Nebraska Oregon Washington
Delaware Louisiana Nevada Pennsylvania West Virginia
Florida Maine New Hampshire Rhode Island Wisconsin
Georgia Maryland New Jersey South Carolina Wyoming

The list was compiled a few month’s ago, so it’s possible a particular bank may no longer accept an applicant showing up in ChexSystems due to a change in bank policy.

Get on the net to find the banks website homepage and contact information. Alternatively you can open an account with a bank that disregards ChexSystems altogether.

Below is a link to a non ChexSystems bank where you are guaranteed to get a second chance checking account with full privledges, regardless of your credit or ChexSystems history. They do not use ChexSystems, or check credit, and 100% of all applicants are approved.


Click here for a non-chexsystems alternative







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