The Guide to Get OFF ChexSystems
Let’s face it … being on the ChexSystems list is expensive! If you can’t get a bank account, you probably spend between $50-$100 each MONTH doing things like cashing your pay or benefits check, paying bills, getting cash, etc. Why wait 5-7 years for your name to get removed from the list? What if I told you that you could get OFF the ChexSystems list?
Even better, what if I told you that you could do it with just a few hours of effort? It’s true. You can. And you should. But it is hard to get the information you need to do it. Luckily, we are happy to announce the Official Guide to Get Off ChexSystems! A simple, easy to follow, guide to getting your name removed from the ChexSystems list. The Guide comes with all of the letters and information you need to get off ChexSystems. You have nothing to lose—the Guide also comes with an amazing money back guarantee! Get the Guide now, and get back to banking!
Get the Official Guide to Get OFF ChexSystems Now!
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{ 16 comments… read them below or add one }
i am on the chexsystem because of an old bank account at First Niagara Bank. it was a very long time ago and honestly I haven’t even thought about it. i don’t know if i still owe them money, but if i do, how do i go about finding out how much i still owe them and to then get off of the chexsystem list?
Dear Tina — Do you know how long ago your problem with First Niagara Bank occurred? If it was over 7 years ago, then the problem or negative item should be removed from your report. If it is within 7 years, you should order a copy of your chexsystems consumer report and see exactly what the problem is (you may also find other information that you may not know about). Once you get a copy of your chexsystems consumer report, come back to this site to learn how to read (and dispute) items on your report.
Good luck!
I HAVE BEEN ON CHEXSYSTEM FOR ABOUT ONE YEAR I OWED A BANK AND NOW I HAVE THE MONEY TO PAY THIS BANK BACK IS THERE A WAY TO REMOVE MY NAME OR CAN I FIND A BANK WHERE I CAN ESTABLISH A CHECKING ACCOUNT . THANK YOU
I was having trouble with Bank of America and Welfargo, plus Wamu.
I do not have the account as of right now. I need to understand and be knowledge of all the consequences that I have to take in order to regain the trust from the Banks. I also need all the informations of how to reissue my state of act. Due to the matter of this incidents, I felt regret, and I am sincere to look forward to hear from you and I really need your help to my feet back on the track again and forever.
Thank you so much for your understanding.
ANH TUAN LAM
hi i also became the victim of the system….i was very new to usa…one day i received a cheque of 3k…thinking that it is a good cheque i took it to the bank…the tell informed me that the cheque is good and he deposited it in to my account. later the bank informed me that it was a bad cheque….i informed the bank i did not had any knowledge about it..i also informed a police officer whom i met in city..the officer told me to deal with my bank. the bank has informed me that they are closing my account…i had some money in my bank and i also owned some money to bank but less than what banked woed to me…i went to bank and got i went to the bank and discusses the issue with one of the bank officer..she informed me that bank will deduct my money and will refund the rest of my money…i left the country for almost a year and found out that am on the chex system….how could i can get the help. please advise.
Dear Sudesh – Sorry to hear about your banking problems. As a first step, it sounds like you absolutely need to order a copy of your chexsystems report (you can get it for free from http://www.chexhelp.com). Once you get a copy, read it carefully. You need to figure out exactly what negative information is on the report. Once you figure out what is on there, see if you can get it removed. For help in getting it removed, you may want to try ordering the book about ChexSystems removal from http://www.getoffchex.com. Also, you may just want to consider getting a second chance bank account (such as the excellent AccountNow Visa account) — it may have all the banking features you need. Good luck, and please keep us posted with your progress.
Ok Here is a weird one that driving me nuts. I had transffered money from my BofA credit card to my BofA checking (as cash advace), then I went to the bank to withdraw the money. For a reason unknown to me, they denied, they did not give me the money, they blocked all my BofA checking and savings accounts and later closed them. The money with Credit Card had cleared……meaning the cash advance transfer has gone through. Then I find out that my Wells Fargo account is frozen because of a ChexSystem alert placed by BofA…..This is extremely puzzling to me and frustrating….
I had money in my accounts to begin with, I have not bounced any checks, no overdraft has ever occured and I do not owe a cent on my BofA checkings or Savings……Can you explain to me how this is even legal on BofA part to put me on ChexSystem in this case. Now all my money is frozen at BofA AND Wells Fargo…these kind of practice should be illegal, at the least.
OK, I HAVE READ ALL THIS AND I CAN NOT REALLY SEE A POINT IN PURCHASING THIS BOOK.THIS BOOK SOUNDS JUST LIKE DISPUTING.WHICH IS REALLY EASY,ALL YOU DO IS GET A COPY OF YOUR REPORT AND DISPUTE EVERYTHING ON THERE AND MAIL IT IN 30 DAY RETURN RECIEPT REQUESTED.WHICH MEANS THEY HAVE EVEN LESS TIME AFTER IT GETS TO THEM IN THE MAIL TO CALL THE BANKS AND ASK THEM IF IT IS REALLY YOURS AND IF THE BANKS DO NOT GET BACK WITH THEM,THEN THEY HAVE TO REMOVE IT.IF THEY DO THEN YOU DO IT OVER AND OVER AGAIN UNTILL THE MESS UP AND MAKE A MISTAKE,AND THEY HAVE TO REMOVE IT.(WOW FREE INFO AND YOU DON’T HAVE TO BUY ANYTHING)!!!!!!!!!!!!
Hi Frank — Yes, the Guide to Get Off ChexSystems is about how to dispute items on your ChexSystems report. The Guide walks you through the process in detail, with tons of sample letters and ideas to make sure you do it right, and make sure you get everything removed that you need to.
Okay here is one for you check this out.
It started with depositing a check getting a receipt, which included the initial deposit and funds availability. I would deposit a check and I was told that the funds were immediately available. I would do the grocery shopping and pay bills the same day thinking I was covered. The change in policy came with regards to how their computer sorted everything out. The new Bank of America policy was to put through all the charges first and then the deposit if they fell within the same day.
This change in policy caused several NSF’s and then they took the fees from the money that had been deposited, which left us overdrawn on any other transactions that occurred after this initial action. We called and disputed the charges and tried to go as high up as possible regarding the matter. There was a $400 dollar deficit all due to over draft charges. We disputed this and at the same time stopped depositing money into that account as it left us behind in paying the actual bill each month. My husband was trying to resolve the issue and was awaiting yet another phone call regarding this matter when I learned that Bank of America had reported us to Chexsystems as “Abuse of Account.”
I felt this was an easy way for the bank to get more money as we had a free checking account and tried to be careful. They took over $500 dollars in fees not including the $400 dollar deficit and left us with no money to cover the monthly bills. They said the would credit us $43 dollars only. I just want to point out that this occurred during the major economy crash and they took money from the government bailout program. Bad faith.
I had some one get a hold of my debit card number back in the summer. It was in August before the charges showed up on my statement and I didn’t look at that statement. In September I had a NSF charge come through on my account and that’s when I noticed the problem. I called the companies on my statement and they were unwilling to refund my money. I closed the account out and paid all charges. Now the bank is denying me an account and no one can tell me why. I have asked for a copy of the report and waiting for it to come in the mail. What can I do now?
Hi GT — did you report the transactions as “unauthorized” (or fraudulent) to the bank? The bank’s investigation group should have looked into it for you. Just because you didn’t find out about it for a month doesn’t mean that you needed to pay for the charges. If the charges were truly unauthorized, your bank should have worked with you to reverse the charges. Also, if you used a Visa or MasterCard, you might have enjoyed extra protections.
I recently went to open a account at B of A and Wells Fargo. Both told me I was on Chexsystem. But Chexsystem told Wells Fargo that Washington Mutual or Chase now could remove it that it had been almost 5 years in August. So I tryed to tell branch manager at Chase and she said she didnt have authority to.I spoke with 7 different departartments yesterday. And the final result was it was Chase now and they can’t do it because Washington Mutual is the one who sent it up ,like I thought they were the same bank. If chex said it could be taken off why dont they contact washington mutual and say it themselves and get it lifted?
About a year ago I was selling a GPS on ebay, i was sent a money order and deposited it into Citizens bank. I then left the country for a year where my relatives paid everything for me and honestly never checked my bank account (my fault there). I just returned home and went to Citizens to make a withdrawal and was informed my account had been closed as that money order was fraudulent. Chexsystems is now flagging me we every bank and I cannot open a bank account, what do i do??
Dave, The banks are something else I am going thru the same thing only not in chex yet. You have to go to a bank that does second chances. Fifth Third does second chances. However it takes 5 years to get out. Even if it is paid it does not matter. Remember the banks want their money they will do anythng to harm your credit. It is impossible to get a car,mortgage,personal any kind of loan being in chex systems. Unless you have an 750+ credit score. I hope this helps.
Heres a strange one for you.
A few years back ( I think 2007-early 2008) I was banking with WAMU( I know my mistake).Right before the huge crash I was informed that I was in chexsystem.I got a copy of my report and it was WAMU reporting that I had 15 NSF charges,AFTER I closed the account. So here I am stuck with out a bank account and I’ve tried everything to get these removed ( even had an attorney send a cease and desist letter). I disputed them I fought them and I even contacted WAMU about getting them removed because they were obviously false charges. I never heard back. Any Ideas?