Non ChexSystems
Banking
Alternative

 If you can't open a checking account you may consider a second chance checking account or checking account alternative. Alternative account has a debit visa or MasterCard that lets you pay bills, get cash and even borrow money. The account is perfect for those who have a poor credit history due to checking account issues or have a negative ChexSystems listing. There is no credit or ChexSystems check. With online check writing privileges bills can be paid without standing in line. Bills such as cable, gas, electric and phone may be paid online. You can even pay your rent or mortgage with electronic online check writing. Apply now, no credit check or ChexSystems check!

ChexSystems is an agency that collects and reports consumer banking incidents to member banks and credit unions. The purpose is to reduce fraud and account abuse. It also protects consumers from becoming victims of identity theft and fraud. Sometimes nice folks get stuck in ChexSystems.

Here are some examples:

• Bank was unable to collect for an overdraft

• ATM transaction, or automatic payment which they honored on insufficient funds.

• Multiple overdrafts.

• Savings Account, debit card or ATM abuse.

• Fraud.

• Providing false information in opening account.

Should I pay ChexSystems?

Getting an incident reported to ChexSystems is hard to remedy. Many banks now say: Our bank policy is that we will not open a checking account for you if you have one or more incidents reported to ChexSystems. ChexSystems does make mistakes. A few banks may take you back after they are paid off.  If it is in your means to pay them off do so.

Your information stays in the ChexSystems database for 5 years unless there's a legitimate reason to remove it.

How do I get my ChexSystems report?

If you contact ChexSystems and tell them you have been denied an account in the past 60 days, they will send you your report at no charge. Otherwise, there is an $8 charge. When contacting ChexSystems by mail or fax, be sure to always include your name, address, and Social Security Number (SSN).