Checking Accounts | BadCreditInfo.com

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Stop wasting your time and money by cashing your check at the bank!

Sep 292010

Stop wasting your time and money by cashing your check at the bank!

Are you tired of rushing to the bank after work on Friday afternoons to try to cash your paycheck, just to find that the bank is closed by the time you get there? You are not alone!! Not only is it inconvenient to run to the bank, you also have to wait in line and PAY A FEE to get your own money from cashing your check!!

There is a much simpler and much more convenient way to get your paycheck. Using direct deposit to your

prepaid credit card is the most simple, and the fastest way to have access to your money. Not only is your money in your account before you would have normally been able to receive your paycheck, but you don’t have to go to the bank to cash it!

You can check the status of your direct deposit by using online banking with your AccountNow prepaid credit card. This is the easiest way to get your paycheck, especially if you don’t work on payday!

You can use your AccountNow card at any ATM to access your cash, most of which are free for you. It is much cheaper than paying the bank to cash your check for you, and you don’t have to wait in that line! Don’t risk not getting to the bank on time Friday evening, just have your paycheck direct deposited to your card, check that your funds are available on your computer or mobile phone, and DON’T PAY THE BANK TO CASH YOUR OWN CHECKS!!!

Account Now

Non ChexSystems Debit card. Free direct deposit, no checking account needed! Non ChexSystems Bank

Checking Accounts No Responses »

Sep 292010

Non ChexSystems Debit card. Free direct deposit, no checking account needed! Non ChexSystems Bank.

Some people can’t open a checking account because of a banking issues that have been reported to ChexSystems or Tele check. We found a debit card that comes with a real bank account. Even if you have bad credit you can get a second chance, Account Now!

Instant approval, free direct deposit, an instant account number, The new breed of debit card is issued with out a credit-check.

The issuers are banks that use Visa and MasterCard debit and they (debits) are accepted just like a credit-card even though there is not a credit line attached. This limits overspending and is an additional cure for spending funds you don’t have. Usually a debit card is only used as a private label ATM, however a Visa® or MasterCard® debit card can be used to get funds at ATM machines as well as for online shopping and bill paying.
Account Now

How to Get a Checking Account While in Chexsystems

Checking Accounts, ChexSystems, Direct Deposit No Responses »

Sep 062010

ChexSystems Problems?

Can’t open a checking account?

Non ChexSystems Bank

Use ATM/VISA Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Second Chance Checking Account

Get a Bank Account Now!

Account Now – Visa Debit

How to Get a Checking Account While in Chexsystems

You are probably visiting this site because you have just learned that you are stuck in chexsystems or you have been in Chexsystems and want to know what you can do to get out of it.

Who is Chexsystems?

Chexsystems is just like one of the 3 Credit Bureaus only this company will provide Deposit Account verification to financial institutions.If you have overdrawn on your account and the bank closed it you will be in Chexsystems. If you have any type of fraud you will be in Chexsystems.

How Long Will You Be In Chexsystems?

A very long 5 years. Unless you have paid your account and the financial institution who put you there requests its removal.Unfortunately, even after you pay your account in full to the financial institution who closed your bank account, does not mean that it will magically delete off of your Chexsystems Record. So before you pay make sure that the Financial Institution agrees beforehand to remove your file from Chexsystems.We have talked with many people in regards to being stuck in Chexsystems and the majority did pay off their account. The Financial Institutions did not remove them from Chexsystems.

Chexsystems the bad guys? Sorry Folks…..

Chexsystems is not a company that Denies your new bank account. Chexsystems is just an agency that collects information from banks about your bad past Banking History.

It is not Chexsystems fault that you are there. It could be a past mistake you made or maybe even a huge mistake made by the bank that put you there to begin with. You have rights so make sure that if you are in Chexsystems that it is Accurate.If you applied for a credit card and were denied, would you blame the Credit Reporting Agency?

Or would you just say ok my credit is bad that’s why I was denied. Chexsystems is basically the same type of Agency with banking institutions. If you again, messed up a checking account or savings account before and the bank closed your account, well Chexsystems gets wind of it and it is reported fair and square. Chexsystems alerts other banks to your banking history. If you find out that you are in Chexsystems, you need to contact the bank that put you there. Unless it is inaccuarate then you will have to Dispute it with Chexsystems.

So you’re In Chexsystems and it is accurate what can you do?

10 years ago you couldn’t do anything. Times have changed and so have your options.It depends on exactly what you are looking for. If you are in Chexsystems and are looking for a Checking Account with Checkbook: There is no way possible to get a checking account with checks right now without paying a fee for the company to find it for you.

Second Chance Checking.

Did you ever consider getting a Bank Account complete with Routing Number, Account Number and Debit MasterCard? This is a real bank account not a Prepaid Card. This can help you tremedously: http://www.secondchancechecking.us . This is great for people who have bad credit, chexsystems or telecheck and their employer requires Direct Deposit. Or simply for people who want the same things that people with Regular Checking Accounts have. This builds a positive credit and banking history because it is reported to the CRAs.

The Debit Card, The Routing Number & of course the account number. People with checking accounts do not use checks as much as you think they do. 90% use their ATM Card or Visa Debit Card or MasterCard debit card to pay for their bills. You can do exactly the same as them by clicking the above link and signing up it is FREE.

If you have applied for a Bank Account and found out you were in Chexsystems:

Did you find out why? Do you know it is accurate? Is it inaccurate? If it is accurate the only way to get through the next 5 years is use one of the above Accounts. First order your Chexsystems report if you have no idea: You can order a copy of your report from ChexSystemsSMIf it is inaccurate visit disputes for more information.

Free ChexSystems Dispute FormsChexsystems will give you examples of Dispute forms however you can get Free Dispute Forms by going to:

www.freenonchexsystemsbanks.com

To sum this up if you are in Chexsystems there are alternatives. There are Second Chance Checking Accounts.

When you order your Chexsystems Report make sure that everything on your report is accurate if not by law you can dispute this information. The bank that reported you falsely will have to verify why you were put on there. If they cannot it must be removed.

If your Chexsystems Report runs true. Sadly, you are in their database for 5 years.

I have been helping people with sub-prime credit for over 10 years now get Credit Cards, Bank Accounts, Loans and more. http://www.secondchancechecking.us

What is ChexSystems?

Bad Credit, Bad Credit Info, Bank Accounts, Checking Accounts, ChexSystems No Responses »

Jul 312010

ChexSystems Problems?

Can’t open a checking account?

Non ChexSystems Bank

Use ATM/VISA Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Second Chance Checking Account

Get a Bank Account Now!

Account Now – Visa Debit

What is ChexSystems?

ChexSystems is an agency that collects and reports consumer banking incidents to member banks and credit unions. The purpose is to reduce fraud and account abuse. It also protects consumers from becoming victims of identity theft and fraud. Sometimes nice folks get stuck in ChexSystems.

For what reason are consumers reported to ChexSystems?

Here are some examples:

Bank was unable to collect for an overdraft
ATM transaction, or automatic payment which they honored on insufficient funds.
Multiple overdrafts.
Savings Account, debit card or ATM abuse.
Fraud.
Providing false information in opening account.

Should I pay ChexSystems?

Getting an incident reported to ChexSystems is hard to remedy. Many banks now say: Our bank policy is that we will not open a checking account for you if you have one or more incidents reported to ChexSystems. ChexSystems does make mistakes. A few banks may take you back after they are paid off. If it is in your means to pay them off do so.

How long am I on the list?Your information stays in the ChexSystems database for 5 years unless there’s a legitimate reason to remove it.

How do I get my ChexSystems report?

If you contact ChexSystems and tell them you have been denied an account in the past 60 days, they will send you your report at no charge. Otherwise, there is an $8 charge. When contacting ChexSystems by mail or fax, be sure to always include your name, address, and Social Security Number (SSN).

The official ChexSystems website.

ChexSystems Customer Service
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
Fax: (972) 241-4772
local (972) 280-8585

Call ChexSystems toll-free phone number:
(800) 428-9623 or
(800) 513-7125