ChexSystemsVictims


Main Navigation





If you are tired of paying cash for everything and need a checking account, you have come to the right place! 

The webs best source for up-to-date information and lists of non-chexsystems  banks and credit unions and ones that are Chex-Friendly and 100% Free!
This web site is designed to help people get their financial life back in order. Anywhere from checking accounts, credit repair, and credit card help. 


What is Chexsystems?

Chexsystems is a credit reporting agency where banks and credit union report negative activity from checking and savings accounts. Types of activity that may be reported  to ChexSystems include:

  • Having your account closed involuntarily by the financial institution.
  • Bouncing checks. Financial institutions will typically only report people who fail to pay the non-sufficient fund fees and/or bounce checks habitually, not those that do it once by mistake but some banks do 
  • Overdrawing your account. Being in the red a day or two before depositing funds will not generally get you reported to ChexSystems, but if you fail to add money after a reasonable period of time or you repeatedly overdraw, the chances are good that you will be reported.Some banks report every NSF
  • Committing an act of fraud, such as altering checks or providing false information about your identity.
  • Applying for a checking account, ordering checks, or reporting a check or debit card lost or stolen. Most of the time, these activities are perfectly legitimate and will not be held against you, but they can be a sign of fraudulent activity, which is why financial institutions may report them to ChexSystems. Some check ordering companies will report every check order.. it is important that once you open an account that you keep your information private and only order checks from a safe company 

Information can stay on your ChexSystems report for five years. If you owe an outstanding debt, paying it does not get it removed from your report early (unless the financial institution voluntarily deletes it), although your report will show that it was paid. If money was owed to the reporting bank(s) there is a chance that this will also be turned over to a collection agency and may show up on your credit reports as well. 

Positive information is generally not reported to ChexSystems. If you have never had any incidents of mismanagement, you probably do not have a ChexSystems report. This is why we believe Chexsystems is not a fair system.  Many have objected to its reporting practices.  

-They state the system does not report fairly, and unlike credit bureaus which have both positive and negative information on your credit report;  

-Chexsystems only contains negative information.  This jeopardizes your reputation as a consumer, when you would otherwise be qualified to open checking accounts.

Opening an account with a ChexSystems report
When you apply to open a checking or savings account,most financial institutions will run your name in the ChexSystems database to see if you have a report. Some financial institutions may deny everyone who has a ChexSystems report, while others may only deny people with certain types of activity. ChexSystems itself does not approve or deny applications - it merely provides reports to financial institutions.

If you are denied an account due to having a ChexSystems report, that does not necessarily mean that there are no options available to you.  


As far as finding a bank that does not use Chexsystems, the options vary from state to state. While some states have many that do not, other states have only a few. But regardless of where you live, there are options to help everyone. 

I work on my lists on a daily basis and talk to the people I help everyday about the banks they are able to find on my lists.  Because of this, I know the best options for those on chexsystems, regardless of where you live in the United States. 

MY LISTS ARE 100% FREE!!!!! 



DON'T BE FOOLED BY PLACES THAT GUARANTEE SECOND CHANCE CHECKING!!! MOST OF THEM ARE SIMPLY SELLING YOU AN ACCOUNT TO PEOPLE'S CASH SOLUTIONS OR INFORMATION THAT YOU CAN GET RIGHT HERE FOR FREE!!!!!!!!!!!

I have seen most of the lists being sold on various sites for $20-$300 or more I can tell you that most of them are inaccurate and outdated. Many have my old information. Many of them are trying to sell you something else and want to see you fail so you will be convinced to buy a pre-paid card that they offer. So they will offer you a list that is CRAP. Be VERY careful!


Applying at banks that deny you can cause you to be denied at one that may have otherwise approved you

Many sites and forums that have free lists are incorrect and not updated.


My name is Mary.  I am known on the boards as mca.  Many of you know me from the old forum that is now closed. I am now a moderator of a forum with over 100,000 members and my own quickly growing forum that is dedicated to helping people just like you. Other valuable information is also on the forum: money market and brokerage accounts, an entire area dedicated to pre-paid options, other military options, credit card information that some might be looking for and more. 

There are many reasons why people are reported to chexsystems. Millions of Americans from single parents, women and minorities to divorcees are un-banked. 

This site is dedicated to helping those reported to Chexsystems as well as Telecheck and Early Warning Services (EWS). Whether you are looking for a bank or credit union that does not use them or you want to file a dispute to be removed, I can help you. 


There are many websites that will sell you the information that we provide here for free. Many have been found to be selling our exact lists. Others claim to gurarantee removal. Because chexsystems, telecheck and Early Warning Services (EWS) are credit reporting agencies, there is no guarantee for removal but I can help you to file the proper disputes with sample letters that we will provide to help you fight them!

Many people believe if they pay any debt owed to a reporting bank, that they will then be removed from chexsystems but this is not true. 

Many times paying off the reporting bank can cause you to be reported for a longer period of time than you would have been if you had not paid the debt owed. For example: a report that is from 2006 will be removed in 2011. If it is paid the bank can choose to report it 5 years from the date last paid. So for example a debt on a report from 2006 is paid in 2010, the report would not be removed until 2015. This is why I sometimes suggest NOT to pay the debt owed to the reporting bank(s) especially on accounts that are older ones. 

Certain actions can restart the debt statute of limitations on a dormant account.

This includes:

acknowledging that you owe the debt

making a payment

entering a payment plan

making an agreement to pay

making a charge on the account

If the clock on the statute of limitations restarts, it starts back at zero. This gives the creditor or collector more time to use the court to force you to pay the debt. 






Copyright 2011-2013 ChexSystemsVictims  "ChexSystemsVictims" receives compensation for some of the advertisements on this site. Please note: We use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.
 
Website Builder