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Chexsystems Solutions
Were you denied a bank account?
Are you looking for options to open a new account?
Non Chexsystems Banks Second Chance Checking Accounts
Pre-Funded Accounts Chexsystems Removal Guide
You've come to the right place! For over 8 years
Chexsystems Solutions has helped People
Open 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 situation is very common and has happened to thousands of people... including members of our staff.
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 at 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. 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 ChexSystems 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 80% of U.S. banks and credit unions belong to the ChexSystems network.
Most people never heard of them until that moment they try to open a checking account and are turned down.
ChexSystems only maintains the database. 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 out, not only checking account applicants who may have committed fraud, but also law-abiding people who wrote a bad check or two by mistake. Or someone who was irresponsible with their account at one time, but have since learned their lesson and don't deserve to be punish for five years.
How Do I Open
A New Account?
 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... assistance is available to you! Most all of your options fall into one of three basic categories:
CHEXSYSTEMS REMOVAL Obviously the best scenario is if your name and record were 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 is going to have a much more difficult time than someone who may have only had an oversight or two that resulted in a overdraft and they just didn’t realize what could happen. Our Chexsystems EBook Guide contains simple, step by step guide, and sample letters that has helped many people to be completely removed from Chexsystems:
Bank and Chexsystems Removal Letters
NON-CHEXSYSTEMS BANKS Some estimates say that over 80% of the banks and credit unions in the U.S. are members of Chexsystems. So finding a bank that doesn’t use them can definitely be a real challenge. But they are out there. In addition… some banks that do use Chexsystems are realizing that automatically denying everyone that’s in Chexsystems (over 8 million people) is simply not smart business. Those banks look at the circumstances of each case individually. And in addition to this… there are some banks that advertise and promote checking accounts specifically for people who are in Chexsystems. These are known as "Second Chance" Checking Accounts. Chexsystems Solutions maintains a current nationwide list of Non Chexsystems Banks. Our list is updated a minimum of 4 to 6 weeks to ensure it is current. The list also includes banks that specifically offer Second Chance Checking Accounts for people in Chexsystems:
Non Chexsystems Banks
USE OTHER PERSONAL FINANCE SERVICES Many people don’t 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!
Pre-Funded Money Accounts
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The Report was Wrong!
 They said I owed money to a bank I never heard of. They wouldn't tell me anything else other than the company they got the report from was from ChexSystems.
I went online, found this website and order the How to Beat ChexSystems guide.
I learned how to get a copy of my report, and then I used the sample letters to send in a dispute to ChexSystems
They removed all of the incorrect information, and sent me a copy of the updated report.
I went back to that bank, with the report and opened the account I wanted.
Peter Oberman,
Carson City, NV
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Thank You!
 After applying with only 2 banks in your bank list, I was approved! This was after many rejections for nearly three years, before I got your information.
No more having to buy money orders for
everything, or using those check cashing places.
I really really needed a bank account and now that I have one, I am going go further and use the letters to work on getting my name taken off checksystems
Ciaela Wayne
Knoxville, TN
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ChexSystems Solutions
Will Help You Get A New Account!
Consumers Info USA
809 Aberdeen Rd Drawer 9001
Hampton VA 23670
We are NOT Chexsystems! This website is in no way affiliated with Chexsystems
Our company helps people who are in Chexsystems get new bank accounts!
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