Monday, November 22, 2010

Banks in Alabama that dont use chexsystems



ALABAMA
Please note that there may be banks and credit unions on my lists that use a credit
report. There are times ( but not always) that a credit report (Equifax, Experian,
TransUnion) may show a debt to a previous bank. It depends on whether or not the bank
reported it to one of the bureaus. If a debt is shown on a credit report, you may still be
declined for an account even of they do not use chexsystems.
Name of Bank Renasant Bank
URL http://renasantbank.com
Form of Verification used by bank 2 forms of ID
Special Notes -they do not use chexsystems
-2 forms of ID are needed
-50.00 deposit to open the account
Person that got an account recently: 5-30-09
Yes I did get an account actually!
Renasant bank is the name!!
Thanks for everything!!
Membership Information:
Email From Bank 2-15-10 If you have no outstanding balance at
Renasant Bank, you can open an account.
Types of accounts offered
Personal Checking, savings, and business
Locations
Birmingham, Decatur, Huntsville, Madison,
and Trussville
Name of Bank America�s First Federal Credit Union
URL https://www.amfirst.org/
Form of Verification used by bank Credit report and ID
Special Notes
Membership Information: You can become a member if you live,
work, worship or attend school in one of
the following counties in Alabama:
� Bibb
� Blount
� Chilton
� Jefferson
� Shelby
� St. Clair
� Walker
You are also eligible if you live, work,
worship or attend school in Calhoun
County or certain areas of Mobile and
Talladega counties.
Email From Bank 4-10-10 For a savings there is not. However
for checking it is not solely based
on the actual score only but the
body of the credit as well. The
minimum score required is 475, but
if there is something negative on
your report and you do have at
least a 475 or higher , you could
still be turned down for the
checking.
Types of accounts offered
Personal checking and savings
Locations
Anniston
Plaza 200 South Quintard
Anniston, AL 36201
Bessemer
2131 19th Street North
Bessemer, AL 35020
Cullman
300 4th Avenue South West
Cullman, AL 35055
Downtown
1200 4th Avenue North
Birmingham, AL 35203
Ensley
1819 20th Street Ensley
Birmingham, AL 35218
Forestdale
1918 Veterans Memorial Drive
Birmingham, AL 35214
Gardendale
1039 Mt. Olive Road
Gardendale, AL 35071
Hueytown
3052 Allison Bonnett
Memorial Drive
Hueytown, AL 35023
Hoover
3312 Old Columbiana Road
Birmingham, AL 35226
Inverness
#2 Inverness Center Parkway
Birmingham, AL 35242
Lakeshore
110 Frankfurt Circle
Birmingham, AL 35211
Leeds
1795 Ashville Road
Leeds, AL 35094
Mobile
1050 Montlimar Drive
Mobile, AL 36609
Pelham
10 Racquet Club Parkway
Pelham, AL 35124
Roebuck
724 Crow Drive
Birmingham, AL 35215
Talladega
801 North Street East
Talladega, AL 35160
Trussville
1910 Gadsden Hwy
Trussville, AL 35235
Name of Bank Merchants Bank
URL http://merchantsbk.com
Form of Verification used by bank telecheck
Special Notes 5-11-10 I called and verified that they do use telecheck
and not a credit report
Membership Information:
Email From Bank
Types of accounts offered
Personal checking, savings and business
checking
Locations
Jackson, Grove Hill, Mobile, and Thomasville
Name of Bank
ALABAMA CENTRAL CREDIT UNION
URL https://www.alabamacentral.org/
Form of Verification
used by bank
Credit reports
Special Notes
Membership
Information:
Membership is now open to anyone that lives, works, attends school or church in
any of these Alabama Counties:
� BALDWIN � LIMESTONE
� BIBB � LOWNDES
� BUTLER � MARENGO
� COLBERT � MARION
� CONECUH � MOBILE
� COVINGTON � MONROE
� CRENSHAW � MONTGOMERY
� FRANKLIN � MORGAN
� GREENE � SHELBY
� HALE � SUMTER
� JEFFERSON � TUSCALOOSA
� LAUDERDALE � WASHINGTON
� LAWRENCE � WILCOX
Email From Bank 5-
10-10
The tellers pull credit reports on all new accounts.
Types of accounts
offered
Personal checking and savings
Locations
Birmingham
Decatur
Florence
Homewood
Mobile
Muscle Shoals
Russellville
Tuscaloosa
They also participate in shared branching. To learn more about shared
branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank
ALABAMA TELCO CREDIT UNION
URL http://alatelco.org
Form of Verification used by bank Credit report
Special Notes You must have a credit score of 600 or above
with an approved credit history.
Membership Information: All people who live, work, worship or
attend school in the following counties
are eligible for membership:
� Autauga
� Baldwin
� Calhoun
� Coffee
� Elmore
� Geneva
� Houston
� Jefferson
� Madison
� Mobile
� Montgomery
� Pike
� Shelby
� St. Clair
� Talladega
� Tuscaloosa
Email From Bank 5-17-10
Alabama Telco Credit Union uses Equifax, the
credit reporting agency,
Types of accounts offered
Personal checking, savings and business
checking
Locations
Riverchase (Corporate Office)
1849 Data Drive
Birmingham, AL 35244-1202
Chelsea
15660 Highway 280
Chelsea, AL 35043
Colonnade
3439 Colonnade Parkway, Suite 100
Birmingham, AL 35243
Downtown
613 19th Street North
Birmingham, AL 35203
Helena (Coming Fall 2008)
4849 County Highway 52 West
Helena, AL 35080
Homewood
103 Oxmoor Road
Birmingham, AL 35209
Hueytown
148 River Square Plaza
Hueytown, AL 35023
Pelham
3016 Pelham Parkway
Pelham, AL 35124
Trussville
2150 Gadsden Highway
Birmingham, AL 35235
Dothan
2378 West Main Street
Dothan, AL 36301
Dothan (S.E. AL Medical Center) Branch
1144 Ross Clark Circle
Dothan, AL 36301
Geneva
309 West Maple Avenue
Geneva, AL 36340
Huntsville
2207-B University Drive, N.W.
Huntsville, AL 35816
Mobile
809 Downtowner Blvd.
Mobile, AL 36609
Montgomery
1451 Eastern Boulevard
Montgomery, AL 36117
Oxford
1209 Snow Street
Oxford, AL 36203
They also participate in shared branching. To learn more about shared
branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank
FLORENCE FEDERAL CREDIT UNION
URL http://ffcuonline.com
Form of Verification used by bank Credit reports
Special Notes
Membership Information: In March, 2001 NCUA granted a Community Charter
to the Credit Union. It states that any person who lives,
works, worships, or attends school in, and businesses
and other legal entities located in Colbert and
Lauderdale Counties are eligible for membership.
Email From Bank 5-11-10 We use credit reports and look at the overall credit
Types of accounts offered
Personal checking and savings
Locations
1505 North Pine St.
P.O. Box 2817
Florence, Al 35630
501 E. Tennessee St.
Florence, Al 35630
\
Name of Bank
GUARDIAN CREDIT UNION
URL http://www.angcu.com/portal/page/portal/Guardian/Home
Form of Verification used by bank Credit report
Special Notes /additional email To become a member here you have to open a share
account with $25.00 it is kind of like a savings
account. The $25.00 is the minimum required amount
and it has to stay in the account at all times. To open
a checking account we do have to have those
approved through management so at that point we
have to pull your credit report and they have to look
over it. If the checking account is approved then it is
$25.00 to open that also.
Membership Information: everyone who works, worships, attends school
in, or resides in Montgomery, Autauga, Elmore,
Chilton, Coosa, Tallapoosa, Lee, Russell,
Macon, Crenshaw, Butler, and Lowdnes
Counties is now eligible for membership at
Guardian Credit Union.
Email From Bank 4-10-10 We do not run any checks for a savings account.
However, we do use a credit report in the approval
process for the checking account. There is not a
certain credit score, but rather what is on the report
that counts. The score only plays a small part in the
determination of the account approval. As a rule of
thumb 600-700 is a regular checking account, 500's
are either checkless checking or regular, and high
400's are checkless checking or no checking
Types of accounts offered
Personal checking, savings and business checking
Locations
1789 Cong. W.L Dickinson Drive
Montgomery, AL 36109
102 Interstate Court
(behind Ruby Tuesday)
on Hwy 14, just off I-65
530 Pugh Street
Montgomery, AL 36104
They also participate in shared branching. To learn more about shared
branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank
TVA FEDERA CREDIT UNION
URL http://tvafcu.com
Form of Verification used by bank ID and an Equifax report
Special Notes
Membership Information: SPECIAL MEMBERSHIP ELIGIBILITY
NOTICE: People who live, work, go to
church, or attend school in Colbert,
Lauderdale, Limestone, Marshall, Morgan,
Lawrence, and Franklin Counties are now
eligible for membership at TVA Credit
Union.
Email From Bank 5-10-10 We do run a credit report for a checking account
and a score of 600 or higher is required
Types of accounts offered
Personal checking and savings
Locations
TVA Reservation
Muscle Shoals, AL 35661
406 N. Mall Court
Florence, AL 35630
425 Cox Blvd.
Sheffield, AL 35660
150 Brush Creek Rd.
P. O. Box 398
Killen, AL 35645
10835 Shaw Road
Athens, AL 35611
303 E. Dr. Hicks Blvd
Florence, AL 35630
616 E. Hobbs St.
Athens, AL 35611
Name of Bank
CENTRAL STATE BANK
URL http://centralstatebank.com
Form of Verification used by bank Credit report
Special Notes Your credit score needs to be at least 580 to
open a checking acct and at least 540 to open
a savings.
Membership Information:
Email From Bank 5-10-10 We use equifax credit bureau. For a checking
acct. your score must be 580 to open a checking
acct. or 650 to have a checking account with an
ATM/Debit Card.
Types of accounts offered
Personal checking, savings and business
checking
Locations
Calera and Pelham
Name of Bank
COMPASS BANK
URL http://www.compassbank.com/index.html
Form of Verification used by bank Telecheck, EWS, credit report
Special Notes If you have been reported to EWS, do NOT
apply for this account. The account may be
opened but will be closed at a later time.
If you have been reported to chexsystems and
telecheck, they do have a second chance
account
Trouble getting a checking account in the past?
Get a second chance at BBVA Compass. They
have options for everyone � even if you've
been turned down for checking accounts due to
credit problems or other reasons.
No, this isn't one of those accounts that require
a big cash deposit or has outrageous monthly
fees. With Basic Checking* you'll enjoy features
like these:
� No minimum balance required
� Unlimited check writing
� $7.95 monthly service charge
� Free online banking
� Free Visa� Check Card
� Open your account with as little as $25
Membership Information:
Email From Bank
Types of accounts offered
Personal checking, savings, and business
checking/ second chance checking
Locations
Birmingham
Daphne/Baldwin County
Huntsville
Mobile
Montgomery
Name of Bank Sterling Bank
URL http://sterlingmontgomery.com
Form of Verification used by bank Credit report
Special Notes
Membership Information:
Email From Bank 2-24-10 We run your information through Equifax, which
is one of the credit bureau's. It is a soft hit on
your credit.
Types of accounts offered
Personal checking, savings, and business
checking
Locations
Montgomery and Prattville
Name of Bank
PARK COMMUNITY FEDERAL CREDIT UNION
URL http://parkfcu.org
Form of Verification used by bank Credit report
Special Notes
Membership Information: Park was approved to become a Community
Charted Credit Union, opening its doors to anyone
who lives, works, worships, goes to school, or
volunteers in Decatur, AL
includes selected areas of Morgan County
in Alabama. (see web site)
Email From Bank 2-17-10 We do pull a credit report upon
opening an account. We do not run
chexsystems, and telecheck is a
merchant based tool, not a
financial institution tool. If
your credit score is 575 or higher
you will qualify for any of our
checking accounts. If the credit
score is below a 575 you would
qualify for our Fresh Start
checking. The Fresh Start I
requires a direct deposit and has a
$12 monthly fee that is assessed
the last day of every month. The
Fresh Start II does not require a
direct deposit and has a $15
monthly fee that is assessed the
last day of every month.
If you are put into one of the
Fresh Start accounts you will be
able to order checks, a free debit
card, have access to free online
banking and our free 24 hour
automated phone line. To apply for
an account with us please visit any
of our locations and bring with you
2 forms of ID. One form must be a
government issued photo ID and the
other can be a social security
card, pay check stub, current bank
statement, membership card (no
credit cards) or a utility bill in
your name. For a fresh Start
checking there is a required $20
initial deposit. If you think you
may be opening a Fresh Start
checking you would want to bring
the $20 as well as the 2 forms of
ID.
Once you have been in the Fresh
Start account for a year (12
months) and have kept the account
in good standing, meaning less than
6 NSF's for the year, you will be
able to switch to a different
checking account type.
Types of accounts offered
Personal checking, savings, and business
checking
Locations
2328 Point Mallard Drive
Decatur, AL 35601
They also participate in shared branching. To learn more about shared
branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank
ALAMERICA BANK
URL http://alamericabank.com
Form of Verification used by bank Credit report, ID
Special Notes
Membership Information:
Email From Bank 2-17-10 We require two forms of identification and
pulling a credit report is a part of our new
accounts procedure.
Types of accounts offered
Personal checking, savings, business
checking
Locations
Birmingham
Name of Bank
FIRST SOUTHERN STATE BANK
URL http://www.fssbank.com
Form of Verification used by bank ID
Special Notes IT HAS BEEN REPORTED THAT THEY DO NOT
USE CHEXSYSTEMS, TELECHECK OR A
CREDIT REPORT.
-opening deposit 50.00
Membership Information:
Email From Bank 5-10-10 I called and verified that they do not use
anything other than proper ID
Types of accounts offered
Personal checking, savings, and business
checking
Locations
80 Bank Street
PO Box 548
Stevenson, AL 35772
20 Micah Way
Scottsboro, AL 35769
Highway 71
PO Box 68
Higdon, AL 35979
403 West Main Street
P.O. Box 2000
Rainsville, AL 35986
1820 Glenn Blvd, SW
P. O. Box 680894
Fort Payne, AL 35967
Name of Bank Peoples Bank
URL http://www.peoplescashsolutions.com/
Form of Verification used by bank chexsystems
Special Notes Although this is not a local account, Anyone can
get this account, NO ONE is turned down. It
does NOT matter where you live, you will be
approved.
this application must be mailed in
ONLY, it can not be faxed
Deposits must be mailed in
If you have been reported as � fraud
or suspected fraud� you will be
denied
Membership Information:
Email From Bank
Types of accounts offered
Personal checking, second chance
Locations
See web site (you do not have to be local to get an account
here)
Name of Bank ING Direct
URL http://www.chexsystemsvictims.com/Electric_Orange_Account.html
Form of Verification used by bank Credit report
Special Notes ING is a great bank if you are looking for a savings
account and possibly a checking. ANYONE can get a
savings here. They do not use chexsystems and no one
has ever reported to me that they were denied for the
savings at ING.
The do offer a checking account that is credit based. They
determine if you are eligible for the checking not with
chexsystems but a credit report instead. Some people
have no problem at all getting both a savings and
checking at ING while others have been turned down for
the checking.
The best thing about this account is that they use the
allpoint network (ATMS) and there are locations all over
the US. You can not make deposits with them but they
are free for withdraws. This account is best when used
with direct deposit. All deposits must be mailed in.
The only catch is that you must y be a US citizen or
permanent resident with a valid social security number,
be over 18, and have a personal (non-business) checking
account at another U.S. chartered bank to link the electric
orange account to.
Membership Information:
Email From Bank
Types of accounts offered
Savings and checking
Locations
This is an online bank
Name of Bank FSNB
URL http://www.fsnb.com
Form of Verification used by bank Credit report and ID
Special Notes You DO NOT have to be military to get an
account
FSNB is now open to anyone regardless of being in their
location. Take advantage of this while you can. It may not
last.
** FSNB now uses a credit report and many people have
been turned down due to credit issues ** They do not use
chexsystems or telecheck �most people are still being
approved
FSNB charges $1 fee for not using one of their ATM's, plus
any 'foreign' ATMs. This account is best when used with
direct deposit. All deposits must be mailed in.
You have to call them and ask for new accounts, telling
them that you wish to open a new checking account ..an
application will be mailed out to you
Membership Information:
Email From Bank
Types of accounts offered
Personal checking and savings
Locations
See web site (you do not have to be local to
get an account here)
Name of Bank WoodForest Bank
URL http://woodforest.com
Form of Verification used by bank Chexsystems and telecheck
Special Notes You must apply in person and they are
very friendly to those reported to
chexsystems
2nd Chance account is $7.95 if you
have direct deposit$9.95 if you do not.
$25.00 one time debit card processing
fee
However, in 6 months or less, the
branch determines if you can move to a
regular account or open a savings in
addition to the second chance account,
regular accounts, you can open
immediately!(complimentary
overdraft) requiring no credit will kick
in after 30 days. It is $500 for direct
deposit or $300 without it.
All deposits are available
immediately
ALSO! Phone and Online banking are
immediate overnight and they're open 7
days! They are VERY friendly and nice
to those reported to chexsystems.
Membership Information:
Email From Bank Before you can open an account with Woodforest
National Bank we do run Telecheck and
Chexsystems. If you have any unpaid closures
reported by a merchant or another financial
institution on either one of these reports you will
only qualify for our Second Chance Checking
account. You will be able to open an account with
us as long as we are able to properly verify your
identity and you do not have an unpaid charged
off account with Woodforest National Bank.
Types of accounts offered
Second chance checking
Locations
See web site
Name of Bank Regions Bank
URL https://www.regions.com/
Form of Verification used by bank EWS
Special Notes It would seem that we have now
determined that Regions will
open accounts for those reported
to chexsystems but will close
them at a later time if you have
been reported to EWS. If you
have not been reported to EWS, it
looks as if the account will stay
opened.
It is best to apply for this account
in Person at a branch. It has been
reported that may run
chexsystems when applying
online.
Membership Information:
Email From Bank
Types of accounts offered
Personal checking, savings and business
accounts
Locations
See web site
Name of Bank TIC Federal Credit Union
URL https://www.ticfcu.com
Form of Verification used by bank Chexsystems
Special Notes Anyone eligible for membership can get a
savings. For a checking, they may approve if
1. debt to reporting bank should be paid
2. fraud should not be indicated on the report.
3.there should only be one reporting bank
Membership Information: TIC Federal Credit Union serves
anyone who lives, works, worships,
volunteers, or attends school in Lee,
Russell, and Macon counties in
Alabama.
Email From Bank 3-9-10 Anyone as long as they fall in the
field of membership can open a
savings account however; it depends
upon what appears on the
chexsystems that determine if you
can open a checking account.
Types of accounts offered
Savings and possibly a checking account
Locations
Fort Benning, Columbus
They also participate in shared branching. To learn more about shared
branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank Ameris Bank
URL http://amerisbank.com/
Form of Verification used by bank Chexsystems
Special Notes It has been reported by several
people that you can open a
checking as long as the debt to
the reporting bank is paid and
there is no fraud listed on the
report
Membership Information:
Email From Bank 5-18-10 Yes, you can still open up an account
with us if the chex system report states
that everything has been paid and
cleared.
Types of accounts offered
Personal checking, savings and business
accounts
Locations
See web site
Name of Bank Family Security Credit Union
URL http://www.myfscu.com/
Form of Verification used by bank Chexsystems
Special Notes
Membership Information: Membership is now available to
individuals and businesses who live,
work, worship, or attend school in the
counties we serve across Alabama.
Here is a list of counties
http://www.myfscu.com/locations.html
Email From Bank To establish membership with us,
you must first open a Primary Share
(Savings) account with a minimum
deposit of $25.00. This $25.00
buys you one share of the credit
union and makes you a member.
Once you have opened a Primary
Share account, then you may open a
checking account. Your information
will be processed through the
ChexSystem Service. If you do not
have a delinquent history with the
ChexSystem Service, then you may
open a no monthly fee checking
account. However, if a delinquent
history is listed, then we can
offer you a Give Me A Break
checking account. This account is
designed to help members with prior
checking account problems reestablish
their checking account
history. There is a $10.00 monthly
fee for this type of checking
account and extended holds will be
placed on all check deposits
(excluding Government issued checks
and recognizable payroll checks).
Members with a Give Me A Breach
checking account can apply for a
free checking account after 12
months in good standing (no NSF's
or negative balances).
Types of accounts offered
Second chance checking
Locations
See web site They also participate in shared branching. To learn more
about shared branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank MAX Credit Union
URL http://www.mymax.com/
Form of
Verification
used by bank
Deluxe Detect which is a product of EWS. As long as you are clear with EWS, you can get
an account Go here for more information on EWS.
http://www.chexsystemsvictims.com/Early_Warning_Services.html
Special Notes They do not use chexsystems at all
Membership
Information:
If you live, work, worship, or go to school in any of the following Central Alabama River
Region counties, or have a relative that is a MAX member, you qualify for membership
at MAX.
Autauga Chambers Crenshaw Lee Montgomery
Bullock Chilton Dallas Lowndes Pike
Butler Coosa Elmore Macon Tallapoosa
Email From
Bank 9-4-10
In order to qualify for membership with MAX, a Deluxe Detect report is
reviewed. This report is very similar to the Chek Systems. It is a report
reflecting your banking history. We do not request a credit report at this time.
Types of
accounts
offered
Personal savings, checking and business checking
Locations
See web site
Name of Bank Listerhill Credit Union
URL http://www.listerhill.com/
Form of Verification used by bank Telecheck and Equifax Credit Report
Special Notes
Membership Information: You are eligible for membership if you
live, work, or attend school in one of the
following counties in North Alabama:
� Colbert
� Cullman
� Fayette
� Franklin
� Lamar
� Lauderdale
� Lawrence
� Limestone
� Marion
� Morgan
� Walker
� Winston
Email From Bank 9-4-10 We do pull a credit report from Equifax when
opening a new checking account but not a
savings account. We are looking for outstanding
balances with Telechek not a credit score
Types of accounts offered
Personal checking, savings and business
accounts
Locations
See web site
Name of Bank Valley State Bank
URL http://www.valleystate.com/
Form of Verification used by bank Equifax Credit Report
Special Notes 9-7-10 I called and verified they do not use
chexsystems but they do use an Equifax credit
report
Membership Information:
Email From Bank
Types of accounts offered
Personal checking, savings and business
accounts
Locations
Russellville and Red bay
Name of Bank Mutual Savings Credit Union
URL http://www.mutualsavings.org/
Form of Verification used by bank Chexssytems
Special Notes
Membership Information: Live, work, worship or attend school
within Shelby, Chilton, Dallas or
Jefferson County
Live, work, worship or attend school
within a 50-mile radius of Alexander City
Live, work, worship or attend school
within a 30-mile radius of Calera
Email From Bank 9-23-10 If you are looking to open a checking
account, the credit union uses
chexsystems. I don't think that they
check chexsystems if you are only
opening a share/savings account.
Types of accounts offered
Second chance checking
http://www.mutualsavings.org/?p=167
Locations
See web site
Name of Bank Four Seasons Credit Union
URL https://www.fourseasonsfcu.com/
Form of Verification used by bank Chexsystems
Special Notes For people having a paid charge-off or insufficient balance with
us, or for people who have a record on Chex Systems, this is
your second chance to have a checking account. Our Second
Chance Checking Account requires no minimum balance, has
no per check charge, and comes with overdraft protection! After
one year with no insufficient items, the account may be
upgraded to a normal account. There is a monthly service fee
on this account.
Membership Information: If you live, work, worship, or attend school in
Lee County.
Email From Bank
Types of accounts offered
Second chance checking
https://www.fourseasonsfcu.com/checkingaccounts.php
Locations
See web site They also participate in shared branching. To learn more
about shared branching go here
http://www.chexsystemsvictims.com/ChexSystems_Credit_Union.html
Name of Bank Union State Bank
URL http://www.unionstate.net/
Form of Verification used by bank Total ID through Transunion to verify identity
Special Notes
Membership Information:
Email From Bank 11-5-10 We normally do a Total ID through the credit
bureau not a credit report.
Types of accounts offered
Personal checking, savings and business
accounts
Locations
Ashville, Birmingham, Cedar Bluff, Centre, Pell
City. Hoover, Pelham, Pell City, Pleasant Grove,
Trussville,
Name of Bank
URL
Form of Verification used by bank
Special Notes
Membership Information:
Email From Bank
Types of accounts offered
Locations
Name of Bank
URL
Form of Verification used by bank
Special Notes
Membership Information:
Email From Bank
Types of accounts offered
Locations
Name of Bank
URL
Form of Verification used by bank
Special Notes
Membership Information:
Email From Bank
Types of accounts offered
Locations
Name of Bank
URL
Form of Verification used by bank
Special Notes
Membership Information:
Email From Bank
Types of accounts offered
Locations

Banks that dont use chexsystems

Banks that dont use chexsystems in. On this list that we have complied from other great internet website, we list by State the Banks that do not use chexsystems. If you follow the instructions correctly, you will be on your way to getting a new checking account. Once you have been listed , it is very hard to get removed. But you have a Second chance, to get that bank account you have always wanted.

What is Chex Systems and How to Get out?

What is ChexSystems?

ChexSystems provides deposit account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or by their bank). ChexSystems is also licensed to do business as ChexSystems Collection Agency providing debt collection services to members participating in this service.

Is ChexSystems a credit bureau?

ChexSystems is a consumer-reporting agency governed by the Fair Credit Reporting Act (FCRA) and other laws. ChexSystems Collection Agency is a debt collector subject to the Fair Debt Collection Practices Act (FDCPA) and other laws. The Federal Trade Commission enforces the FCRA and FDCPA.

How long does the report stay on file?
How do I get it deleted?

Each report submitted to ChexSystems remains on our files for five years, unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. The decision to delete a report is entirely up to each bank or credit union and its individual policies.

I paid the bank. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report of account mishandling due to payment of monies owed. However, if a collection amount is reported, the member is obligated to mark the account as paid.

How can I see what is in my file?

You can order a copy of your report from ChexSystems.

How do I dispute information?

ChexSystems Consumer Relations Department helps people who believe their file contains misinformation. Visit disputes for more information.

Why do I have to give you personal information, like my social security number and drivers license number?

ChexSystems ask for this information to ensure that they make a complete and accurate search and are able to identify all information that may pertain to you.

Why did you tell the bank not to open an account for me?

ChexSystems neither approves nor declines accounts for banks and credit unions. The decision is entirely up to them.

Why wasn't my ChexSystems report removed when I filed bankruptcy?

A bankruptcy filing only affects the collection of outstanding debts. It does not require the removal of accurate factual information concerning your account.

Why can't I get a copy of my spouse's report?

ChexSystems is required by law to deal directly with the individual to whom the information pertains. They strictly adhere to this to protect consumer privacy. To discuss the information with anyone else, ChexSystems must receive a notarized Power of Attorney or specific written instructions, signed by the consumer whose information is being requested, authorizing ChexSystems to disclose the information to the person named in the Power of Attorney.

What does NSF activity mean?

NSF or non-sufficient funds activity refers to overdrafts that occur on an account.

Do I pay ChexSystems or the bank?

It depends. If your report contains a record of an outstanding debt and you have received collection notices from ChexSystems Collection Agency, you pay ChexSystems Collection Agency directly by sending your check or money order to:

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125
In other cases, you pay the bank or credit union directly.

How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file describing the nature of your dispute of the information. If you wish to add a statement to your file, you must submit your statement in writing with a clear indication that you wish the statement to be added to your file, ensuring that you sign the request. If you would like assistance in writing a clear summary of your statement, you may contact ChexSystems or obtain the assistance from your Attorney.

How do I contact ChexSystems?

CALL

ChexSystems
Consumer Relations
1-800-428-9623
(Recording only-Instructions)
WRITE

ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125
FAX

602-659-2197
Inquiry about negative information on file:

Information you will have to send if you have been rejected by a bank or you have received notification that there is negative information on file that shows you still owe a bank money.

Either send your request in writing or by fax. Make sure you have available the following information to submit to them:

your full name and any alias names used
your current and prior address (5 years)
your social security number
your driver license and/or ID card number
any business you signed on during the pass 5 years.
We hope that you can resolve your personal problem. If we can assist you further, please contact this office by phone, e-mail, or in writing.

Order your own PERSONAL CONSUMER REPORT from ChexSystems.