For Over 10 Years Chexsystems Solutions
Has Helped People Get New Bank Accounts!

Cheryl wrote a few bad checks her first year in college when she was 19. After some time she paid all the bank overdraft fees, and paid off the people who received those bounced checks. Her parents who were helping her insisted that she close the bank account . Three years later… she was about to graduated… a little more older, and a little more mature. She tried to open a new checking account. Every bank she applied to rejected her because she had a negative record on file with ChexSystems.

This is a true story! Your personal story may be different… but this basic scenario is very common and has happened to thousands of people… including me. This is why I created this website. My Story

What is ChexSystems?

What happen to Cheryl, and to you, was when you applied to open a checking account, the bank or credit union ran your name to make an inquiry through a database that will tell them if you have had: frequent account overdrafts… bounce checks… did something banks consider as an “act of fraud” or otherwise have an unpaid balance owed to another bank on a closed account.

This database is maintain by a company called ChexSystems. They are kind of like the credit bureau to the banking industry. In fact they are actually considered a credit reporting agency very similar the main credit bureaus that we are all familiar with Experian, Equifax, and Trans Union.

Financial institutions report to them the names of individuals who they feel have mishandle a checking and/or savings account. If your name winds up in the their database, you could find it extremely difficult to open a bank account.

The record stays in their file for five years and can doom your chance of getting a checking account during that period. Financial institutions lose billions of dollars every year because of check abuse, and outright fraud. This is why 85% of U.S. banks and credit unions belong to the ChexSystems network. If interested you can find a much more detailed definition and in-depth explanation of the company at Wikipedia.

It is very understandable if you have never had a problem with a bank account before, then you would have never heard of them. In fact, most people have never heard of them until that very moment they try to open a checking account and are turned down.

It is very important to know that ChexSystems only maintains the database of names! The decision of whether, or not, to deny someone from opening a bank account is strictly up to the individual bank and their policies.

For some time now… many critics complain that banks use ChexSystems as an excuse to indiscriminately weed people out. Not only those people who may have previously committed some act of bank fraud… but also law-abiding people who only wrote a bad check or two by mistake. Or someone who may have been irresponsible with their account at one time, but have since learned their lesson and don’t deserve to be punish for five years.

The bottom line: Many inside the banking industry believe that if you are in Chexsystems… and a bank doesn’t think they are going to make much money off of you anyway… then they use it as an excuse to deny you. This affects millions of people. If this has happened to you then there are options available.

What Are Your Options
If You’re In Chexsystems?

If you have been denied from opening a bank account, we know that it can create a number of major inconveniences in your life. However, there is assistance available to you! Most all of your options fall into one of three basic categories:

CHEXSYSTEMS REMOVAL Obviously the best scenario would be to have your name, and record, completely deleted from their database. Depending on individual situations, for some people this may not be as difficult as you may think. Of course the person who did something like passing multiple checks on a closed account, or some actual act of fraud, is going to have a much more difficult time than someone who may have only had an oversight or two that resulted in overdrafts and they just didn’t realize what could happen because of it. We offer completely Free Chexsystem Help Tips that provides information, and advice, for getting removed off their list. Just simply sign up below for this info. You will also receive Free Dispute Letters that has helped many people to be completely removed from Chexsystems.

NON-CHEXSYSTEMS BANKS Some estimates say that over 85% of the banks and credit unions in the U.S. are members of Chexsystems. So finding a bank that dose not use them can definitely be a real challenge. But they are out there. In addition… some banks that do use them are realizing that automatically denying everyone that has a Chexsystems report (over 8 million people) is simply not smart business. Those banks look at the circumstances of each case individually. Those banks have accounts with names like fresh start checking, second chance checking, etc. There is a free resource that has links to those banks that may be in your local area. Just visit our Non Chexsystems Banks page.

USE OTHER PERSONAL FINANCE SERVICES If you really don’t have a need to write a paper check, then many people don’t really need to use the banks at all! Anyone can get a Secured Personal Money Account with Direct Deposit of your paychecks, ATM cards with a VISA or MasterCard logo, Online Bill Pay… and more. No Chexsystems checks! Everyone is approved! Personal Money Accounts

Think about what it is that you really need? If you can get direct deposit of your paycheck. And a ATM card with Visa or MasterCard logo that is accepted everywhere. And online bill pay, including sending checks directly from your computer, to anyone. Then you do not need to write a paper check at all! You do not need a bank at all! You can get all this and more with Account Now.
Click Here To Visit Their Website

.

.

.

Consumers Info USA

809 Aberdeen Rd Drawer 9001
Hampton VA 23670

Chexsystems Removal       Order Chexsystems Report

We Are Not Chexsystems! We have no affiliation with Chexsystems.
We help people in who are in Chexsystems to get new accounts.