Bad Credit Info - ChexSystems Help

ChexSystems Help

Non ChexSystems Banks

No Credit Check,  No Overdraft Fees, Direct Deposit Debit Card

If you can't open a checking account because of ChexSystems...

ChexSystems Help

Finding non ChexSystems banks is becoming harder and harder. A few banks use other services like Tele-check, so getting a guaranteed approval seemed almost impossible. After some searching, we discovered a reasonable solution;

Get a second chance! Open a non ChexSystems bank account now! Survive while you are finding out about your ChexSystems issues....Non ChexSystems - Free Direct Deposit - Pay Bills Online Direct deposit your income in a real bank account, use a safe debit card issued by a real bank to shop or pay bills with.

This is a "no overdraft fee" way to bank and pay bills.
Second chance checking account will allow you to direct deposit funds for free and pay bills online or in person without carrying cash. If you need to write a check to pay a bill or your rent this bank offers online checks that the bank issues to your payee.

Pay your Bills Online, use Free Direct Deposit.
No more standing in line at check cashing stores or buying money orders! It's convenient and easy to apply for! 100% Guaranteed Approval! No ChexSystems! No Credit Checks! No Overdraft Fees!

Instant Account Number

Can't open a checking account?

Man needs non chexsystems bank account

Now You Can!

 Second Chance Checking Account

Non ChexSystems Bank

Use ATM/VISA  Debit Card

Online Check Writing

Free Direct Deposit

No Bank Overdraft Fees!

No Credit Check!

Get a Bank Account Now!

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 within your means to pay them off do so, otherwise, it will stay on your record for five years that you haven't paid the debt..


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

ChexSystems Comments

 How to Get Off  ChexSystems

Banks that don't use ChexSystems


How Low is your Rate?

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Updated 07/12/12


What's on your credit report?

Reports show that 2 out of 3 people may have incorrect information on their credit report. Find out what's on your credit report and what to do about it, today! Low cost!