Non Chexsystems Banks

Where can I get a checking account if I am on the Chex System?

A number of Web sites and classified ads claim to have a list of non-ChexSystems banks. Unfortunately, most of these lists are out of date and inaccurate. Even worse, many of these lists cost money (with no refunds available!).

Where can I get a free copy of my Chex System report?

Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your Chex Systems consumer report, at your request, once every 12-months.

What are Non ChexSystems banks?

Each report submitted to Chex System remains on their files for five years, unless the bank or credit union that filed the report requests its removal or Chex System becomes obligated to remove it under applicable law.

How to get off ChexSystems?

Free step by step instructions on how to get your name removed from the ChexSystems list.The first step is to contact ChexSystems and obtain a copy of your ChexSystems report.Inform ChexSystems that you have reviewed your report and are unaware or disagree with a negative listing (if you dispute it). Ask ChexSystems to verify the information on the ChexSystems report. You might also ask for copies of any documentation ChexSystems has regarding the disputed listing.

Why Banks don't use ChexSystems?

A retail grocer who was tired of getting bad checks, came up with the ideal, and originally created what is now know as ChexSystems. He recognized business institutions needed a way to share information to help stop account abuse and fraud.