Second Chance Checking Non ChexSystems Banks And Credit Unions
If you’ve wound up in ChexSystems, you know how difficult it is to get a checking 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 a checking account at a bank or credit union within the past 60 days, 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 a checking 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 second chance checking account.
Second Chance Checking Non-ChexSystems Banks and Credit Unions Nationwide Directory
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 a second chance checking 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, with 100% of all applicants being approved.
Click Here For A Non-ChexSystems Second Chance Checking Account
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