How To Find Banks That Don't Use Chexsystems: A Simple Guide.
Look folks, allow me to be frank: Finding a bank or credit union that does not screen it's applicants via ChexSystems is virtually impossible. Information travels quickly in the information age, and a bank that does not use Chexsystems is about as rare as a human being without a cell phone
in their pocket.
Many, including myself, (I'm not kidding either) were not put into the dreaded ChexSystems database because of bouncing checks, but for overdraft fees, someone else having access to your check card and the unsuprisingly common 'clerical error'.
Shortly put: "ChexSystems Happens"!
But being removed from ChexSystems or finding banks that don't use ChexSystems is nearly impossible. It can be a rather lengthy, and costly, process to 'get out' of Chex Systems. Or, take Option Number 2: Wait 7 years,
without a savings or checking account until ChexSystems drops you from their ever expanding database.
However there are several online checking accounts and prepaid debitcard providers on the web, some that even offer free direct deposit or no activation fees. A simple Google search for certain keywords or phrases like:
"banks that don't use ChexSystems" and you should come up some quick results. Other keyword terms to use would be "non chex system bank" or ""visa prepaid debit cards" "best prepaid debit card", or variations there of. I think
You get the idea.
So, in closing, finding a bank that does not screen applicants via ChexSystems can be a simple as a few simple clicks of the mouse. Turns out, the situation is not so hopeless!
Ron Butterfield is a Loss Mitigation Specialist and aspiring
author. He lives in sunny Redondo Beach, California.
Did you find this article on Visa Prepaid debit cards vs checking accounts
usefull? You can learn a lot more about how non ChexSystems banks
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