Comments on: Why You Need a Bank Account Even if You Are On ChexSystems

By: AZ Sunshine

AZ Sunshine — Thu, 12 Aug 2010 23:31:33 +0000

Hello Nancy Lynn, Did you owe bank of america? I do but not a large amount. I would be willing to pay it off if they will open it. Let me know what you think. Thanks

By: nancy lynn

nancy lynn — Fri, 08 Jan 2010 09:04:37 +0000

Listen up! everybody who is trying to find a bank that does not use chexsystems. Right now for whatever reason Bank of America is opening all accounts that are opened online. It doesn’t matter if you are in chexsystems, they are not turning down anyone. I’m in chexsystems and I owe several banks, however my cousin told me about BofA and she was right! I filled out an applicaiton online on a saturday and on that Monday they sent me my approval email. Wednesday they sent my banking package via mail. Maybe because of the economy, but whatever the reason go to BofA you won’t be turned down. If they gave me an account they will give anybody one.

By: Cristi

Cristi — Tue, 08 Dec 2009 22:51:15 +0000

Give your business to local Credit Unions and Community banks – ENOUGH WITH GIVING BIG BANKS BUSINESS – LOOK AT WHAT THEY HAVE DONE TO OUR COUNTRY WHILE THEY GET AWAY WITH FAT PROFITS OFF THOSE WHO WORK HARD TO LIVE PAYCHECK TO PAYCHECK *****WRITE TO THE FEDERAL RESERVE AND LET THEM KNOW YOU ARE FED UP WITH THESE UNETHICAL AND IMMORAL BANKING PRACTICES!!!

By: Cristi

Cristi — Tue, 08 Dec 2009 22:46:01 +0000

Credit Unions used to be the answer but they now use Chexsystems as well. They are becoming just like the big banks in courtesy overdrafts and processing checks from largest to least or which ever way they want to hit you with fees and report you to chexsystems. Some banks have Second Chance checking and so do some credit unions….in view of the financial crisis that the big banks caused and have paid very little for I would give my business to a local bank or credit union.

By: Abass Bakarey

Abass Bakarey — Thu, 12 Nov 2009 15:48:01 +0000

Please provide me me the list of banks in New York city’s boroughs of Brooklyn and Manhattan that does not use ChexSystems.

By: admin

admin — Fri, 07 Aug 2009 14:12:15 +0000

Hi Antwon -- unfortunately, there isn't a great list. Here are some recent tips we've received from readers: try going into your local BofA and opening an account. If they deny you, ask if the manager can explain in detail why you were denied (you should be able to find out what the blemish is on your chexsystems report that prevented you from opening the account). here's another reader tip: check out Woodforest Bank (they have a great second chance checking program). Another tip: check out all of your local credit unions (there's a great chance that you qualify to join one or two). And another tip: why not open a prepaid debit card account? Almost everyone that uses them agrees that they are often BETTER than a regular bank account (just make sure to shop around to find one that fits your situation).

By: Antwon Cordell

Antwon Cordell — Thu, 06 Aug 2009 04:03:56 +0000

Hello,
Can you send me a list of banks in Illinois and Indiana that are not using chexSystems.
Thank You

By: reebcca anderson

reebcca anderson — Fri, 24 Jul 2009 07:11:53 +0000

what banks in San Francisco Bay area will open account if your are in chexsystems?

By: Tiya

Tiya — Tue, 21 Jul 2009 08:08:30 +0000

Don’t forget BofA also charges ANOTHER overdraft fees if you don’t pay the amount owed within 5 days. Yup, you heard me right. So that accidently dollar overdraft is now ranking them in a good $500 bucks once they rearrange the fees to look how they want it to.
The person that wrote this article is sorely mistaken. There are other options that cost less than what stupid BofA charges. First you can go to the bank the check is drawn on and they will cash it for you. I pay a whole 5 dollars per month to get my check cashed at the bank is drawn off of and that’s not because I don’t have a bank account. It’s because BofA would put a million day hold on my check and then charge me an overdraft if I tried to use any of it. Once I’m done with all the fees they charge me to hold and lend out my money I’m broke! Also, Wal-Mart and Western Union have great reloadable pre-paid cards. My father and I use this option because if there is no money on the card they do not let you use it unlike BofA. In fact, I just load the card at Von’s grocery store whenever I need the funds. No need to wait for banking hours. As for $4 dollar money orders …yeah try more like 80 cents at Western Union and even less at the post office ..which again is less than the cost of checks and fees the banks rack in. It’s actually all very convenient too. I go to Vons reload my card, get an 80cent money order while I’m there and voila! And this is coming from someone that has TWO bank accounts.

By: FraudulentCharges.com

FraudulentCharges.com — Tue, 14 Apr 2009 20:57:01 +0000

Bank overdraft fees are becoming absolutely ridiculous. On my site, we get 4-5 people a day complaining about being unfairly charged. Bank of America has just agreed to now charges up to 10 overdraft fees per day at $39 a pop. Considering how they re-order transactions to optimize their fees, this is going to seriously hurt even more customers. Its time to stand up against these policies and demand change.