Why Was I Denied A Bank Account

Why Was I Denied a Bank Account?
A Guide About ChexSystems
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Chexsystems Guide
Each year millions of people are denied basic checking accounts in the U.S. due to having a record with the company
Chexsystems. Nearly all of them had never even heard of Chexsystems. This eBook guide is intended to provide a basic
overview of Chexsystems. Who they are, and how it can affect you.
As with all information distributed via the internet; the very first thing we must do is give the required disclaimers:
What you have received is information. It is for informational purposes only. The intent of information is simply to
educate.
Consumers Info USA and chexsystemssolutions.com is not a Credit Repair Company, Counseling Service, Tax
Advisors, Real Estate Brokerage, Law firm, or Mortgage Company.
This information is not intended as credit, tax, legal, financial, accounting, or professional advice. We encourage you to
consult with established professionals in your local area if needed.
The opinions and information contained in this guide are based on many years of experience and will apply to many
situations. However individual circumstances can be different which may make some of the information contained in this
guide inapplicable to your own particular situation.
The information on this subject matter may not fit your own particular individual circumstances.
Consumers Info USA can not be held responsible in any way, and will be held harmless from, any decisions made by the
reader based solely on the information on this eBook guide.
We are not ChexSystems! We are in no way affiliated with ChexSystems!
Our company provides absolutely free assistance to help you get out of Chexsystems. Or get a new account even while still
in Chexsystems.
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TABLE OF CONTENTS
WHAT IS CHEXSYSTEMS
WHO IS CHEXSYSTEMS
HOW CHEXSYSTEMS AFFECTS YOU
WHAT ARE YOUR OPTIONS
WHAT IS ON A CHEXSYSTEMS REPORT
OBTAINING YOUR CHEXSYSTEMS REPORT
CHEXSYSTEMS REMOVAL
NON CHEXSYSTEMS BANKS
SECOND CHANCE BANKS
BEST NON CHEXSYSTEM BANK ALTERNATIVE
RESOURCES
FILE A BANK COMPLAINT
ABOUT US
PRIVACY POLICY
WHAT IS CHEXSYSTEMS?
Cheryl wrote a few bad checks her first year in college when she was 19. After some
time she paid all the bank overdraft fees, and paid off the people who received those
bounced checks. Her parents who were helping her insisted that she close the bank
account. Three years later... she was about to graduated... a little older, and a little more
mature. She tried to open a new checking account. Every bank she applied to rejected
her because she had a negative record on file with ChexSystems.
This is a true story! Your personal story may be different... but this basic scenario
is very common and has happened to thousands of people... including me. This
is why I created this eBook. My Story
What happen to Cheryl, and to you, was when you applied to open a checking
account, the bank or credit union ran your name to make an inquiry through a
database that will tell them if you have had: frequent account overdrafts...
bounce checks... did something banks consider as an "act of fraud" or otherwise
have an unpaid balance owed to another bank on a closed account.
This database is maintained by a company called ChexSystems. They are kind

of like the credit bureau to the banking industry. In fact they are actually
considered a credit reporting agency very similar the main credit bureaus that we
are all familiar with Experian, Equifax, and Trans Union. Financial institutions
report to Chexsystems the names of individuals who they feel have mishandle a
checking and/or savings account.
WHO IS 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.
The ideal quickly caught on and rapidly grew. For nearly 30 years now,
ChexSystems has been a central provider of account abuse and fraud
information to the U.S. banking industry.
A company called The Deluxe Corporation purchased ChexSystems in 1984.

Today, ChexSystems is managed by EFunds Corporation, an independent,
publicly traded company.
ChexSystems is merely one of the companies that EFunds owns. Many people
may not have heard of them, or ChexSystems, until that very moment when they
are denied from opening a bank account.
EFunds Corporation principal activities are transaction processing, risk

management and professional services to financial institutions & retailers,
electronic funds transfer networks and government agencies.
The Group operates in four segments: Electronic Payments which provides

electronic funds transfer, automated clearinghouse and other payment
processing services, ATM Management Services which provides ATM
deployment, management and branding services, Decision Support and Risk
Management which provides risk management based data and other products,
which ChexSystems is a part of. And other Professional Services which provides
business process management and IT outsourcing services.
Efunds... the company that owns ChexSystems, Deluxe Corporation, also owns
Current Checks (a.k.a. Checks Unlimited), Designer Checks, SCAN (Shared
Check Authorization Network), the Debit Bureau, which tracks your check-writing
history, and Deluxe Direct Marketing Services.
Though most of us have never heard of them... if you ever wrote a check, used a
ATM machine, used a debit card, sent or received a money wire transfer, etc.
etc; you have dealt with this very quiet and powerful company.
More information can be found out about Efunds, the company that owns
ChexSystems at www.efunds.com
HOW CHEXSYSTEMS AFFECTS YOU
When you apply to open a new account at a bank that is a member of, and uses,
ChexSystems Inc. they will run a ChexSystems inquiry as part of their new
accounts procedures.
If that inquiry returns any negative information, particularly if there is an unpaid

outstanding balance owed to another bank, you will often be denied from opening
that new account.
Then, if you attempt to try at another ChexSystems member bank... it is very

likely that the exact same thing will occur again.
Your CheckSystems report can remain in their database files for 5 years.
It is estimated that approximately 80% of all banks nationwide are members of

ChexSystems. Finding a bank that does not use ChexSystems can be very
difficult... but not impossible.
Critics of the ChexSystems database say that in many cases, it is arbitrarily used
to disproportionately treat people. Many people in ChexSystems are not people
who committed an intentional act of fraud; they’ve only had an incident, or two, of
misjudgment.
They usually are of modest means. People who many banks assume will not
maintain high balances in their accounts and will not be very profitable for the
bank.
There has been an ongoing criticism that feels many banks are using
ChexSystems as an excuse to weed out low-yielding customers.
Denied access to checking, those stuck in ChexSystems are forced for five years
to use expensive check-cashing services and to undergo the inconvenience of
paying bills with money orders or cash.
The system currently contains approximately eight million names and is used by
banks to track people with histories of checking account problems.
Reports from those inside the banking industry say that on average associated
administrative cost on new accounts can be approximately $200.
We all know the basic concept that banks make their money by lending out the
money maintained in checking and savings accounts.
Those who have been reported to ChexSystems do, as a group, carry lower
balances in their accounts. Often they are those whose payroll check is
deposited on payday Friday, and at or near zero balance before next payday.
Checking accounts do not generate a lot of revenue for the banks to begin with,
and certainly not accounts that on average maintain a nominal balance.
By eliminating anyone with ChexSystems record, banks can inexpensively weed

out those who they feel will cost more than they are actually worth to the bank.
Critics of the system feel it has very little to do with your true risk as an account
holder. It has everything to do with the bank's bottom line. Never mind the fact
that millions of Americans are harmed in the process.
Why is this wrong?
Banks benefit from the protection given to them with heavy government
regulation. But with this benefit comes some responsibility to serve the public…
something the banks are escaping, legally!
Government, by letting this continue, is failing its citizens who now have no way
to exchange the benefits of their labor (e.g., direct deposit of their pay) for goods
and services.
In addition, more and more landlords, and other organizations, are now requiring
a checking account as a minimum requirement.
If your name winds up in the ChexSystems database, you could find it extremely
difficult to open a bank account.
It is very important to know that ChexSystems only maintains the database of
names! The decision of whether, or not, to deny someone from opening a bank
account is strictly up to the individual bank and their policies.
WHAT ARE YOUR OPTIONS?
If you have been denied from opening a bank account, we know that it can create
a number of major inconveniences in your life. However, there is assistance
available to you! Most all of your options fall into one of three basic categories:
CHEXSYSTEMS REMOVAL Obviously the best scenario would be to have your

name, and record, completely deleted from their database. Depending on
individual situations, for some people this may not be as difficult as you may
think. Of course, the person who did something like passing multiple checks on a
closed account, or some actual act of fraud, is going to have a much more
difficult time than someone who may have only had an oversight or two that
resulted in overdrafts and they just didn’t realize what could happen because of
it. We offer completely Free Chexsystem Help Tips that provides information, and
advice, for getting removed off Chexsystems. Just simply sign up for this info.
You will also receive Free Dispute Letters that has helped many people to be
completely removed from Chexsystems. GET YOUR FREE DISPUTE LETTERS NOW
NON-CHEXSYSTEMS BANKS Some estimates say that over 85% of the banks
and credit unions in the U.S. are members of Chexsystems. So finding a bank
that dose not use them can definitely be a real challenge. But they are out there.
In addition… some banks that do use Chexsystems are realizing that
automatically denying everyone that has a Chexsystems report (over 8 million
people) is simply not smart business. Those banks look at the circumstances of
each case individually. Those banks have accounts with names like fresh start
checking, second chance checking, etc.
USE OTHER PERSONAL FINANCE SERVICES If you really don't have a need
to write a paper check, then many people don’t really need to use the banks at
all! Anyone can get a Secured Personal Money Account with Direct Deposit of
your paychecks, ATM cards with a VISA or MasterCard logo, Online Bill Pay
Services that includes the ability to send anyone a check directly from your
compute. No Chexsystems checks! Everyone is approved!
Personal Money Accounts
WHAT IS ON A CHEXSYSTEMS REPORT
ChexSystems reports contain a variety of information used

for determining qualification of a deposit account. This includes:
• If the applicant has an account closure on file

• Whether outstanding debts have been paid
• Validation of applicant’s social security information
• Validation and verification of applicant’s drivers license information
• Banks owed money by applicant (usually due to overdraft fees, ATM
transactions, or automatic payments that were honored on insufficient
funds)
• Multiple overdrafts within a short period of time
• Savings account, debit card or ATM abuse
• If the applicant has checks outstanding on the SCAN database (SCAN is a
service used by retailers that keeps track of bank accounts and
identification numbers from checks that have bounced)
• How many accounts the consumer has applied for in the past 90 days
• History of checks ordered in the past 3 years
Below is a sample of what a Chexsystems Report looks like. You can

also view this sample report online. It will open up in a new
window:
Click Here
12005 Ford Road, Suite 600 Consumer Relations

7805 Hudson Rd Suite 100
Woodbury, MN 55125
August 9, 2010
JOHN C CONSUMER
5650 MIDDLE ST
ANYTOWN MN 55125
This report was prepared for JOHN C CONSUMER

Consumer ID: 98765432 for JOHN C CONSUMER
Please provide your Consumer ID number, along with your Social

Security number, in any future contact with ChexSystems.
Personal Information
This section displays the names, date of birth and addresses associated
with your ChexSystems consumer file.
Date of Birth:
01/20/1974
Names:
John Carter Consumer
John C Consumer
John Consumer
J C Consumer
Addresses:
5650 MIDDLE ST
MY TOWN, MN 55125
1623 CENTER ST
MY TOWN, MN 55125
123 MAIN ST
MY TOWN, MN 55125
645 JAY BIRD STREET
ANYTOWN, MN 55125
Consumer Reported Identity Theft Security Alert
In any future contact, you will be required to provide your password
answer for as long as your Security Alert is active.
Name on Alert : JOHN C CONSUMER

SSN/ID : XXX-XX-6789
Password Question: WHAT WAS THE NAME OF YOUR FIRST PET?
Status : NON-VALIDATED
Security Freeze Record

In any future contact, you will be required to provide your personal
identification number (PIN) for as long as your Security Freeze is active.
Name on Freeze : JOHN C CONSUMER

SSN : XXX-XX-6789
Status : Active

Woodbury, MN 55125
Reported Information
Reported Information refers to reports of accounts that have been
mishandled, reported for cause, and/or outstanding debts. Reported
Information is submitted directly to ChexSystems by members of our
service which consists mainly of financial institutions. Our current practice
is to retain this information for a period of five years.
SSN/ID indicates a Social Security number, Individual Taxpayer

Identification number, Tax ID number, or Employer ID number.
Source of Information: FIRST NATIONAL BANK

678 NORTH ST
ANYTOWN, MN 12345
800.888.1234
Reported Name: JOHN CONSUMER

Reported Address: 123 MAIN ST
MY TOWN, MN 55125
Reported SSN/ID: XXX-XX-6789
Drivers License: XXXXXXXX9123 State: MN
RTN: 123456789 Account: XXXXXX5209
Date Reported: 05/25/2009

Reported For: NON-SUFFICIENT FUNDS (NSF) ACTIVITY
Closure Status: NOT REPORTED
Debt Reported: ChexSystems has no debt information available.

May we suggest that you contact the source of the information
to determine whether or not a debt is owed.
Source of Information: SECOND NATIONAL BANK

111 SOUTH ST
ANYTOWN, MN 12345
800.999.1234
Reported Name: JOHN C CONSUMER
Reported Address: 123 MAIN ST
MY TOWN, MN 55125
Drivers License: XXXXXXXX9123 State: MN
RTN: 123456789 Account: XXXXXXXXXXXXX0156
Closure Status: ACCOUNT/DEBT SOLD
Closure Status Date: 09/24/2009
Source of Information: THIRD NATIONAL BANK

222 WEST ST
ANYTOWN, MN 12345
Telephone Number Not Available
Reported Name: J C CONSUMER
Reported Address: 1623 CENTER ST
MY TOWN, MN 55125
Drivers License: State:
RTN: 123456799 Account: XXXXXXXXXX6874
Closure Status: UNPAID
Closure Satus Date: 05/27/2008
Debt Reported: Monies Owed

Woodbury, MN 55125
Inquiries Initiated By Consumer Action

Inquiries Initiated By Consumer Action refers to inquiries resulting from a
transaction initiated by you. These include applying for a credit card or
completing an application at a financial institution. Please note that the
inquiries are part of your credit history and may be included in our reports
to others. These inquiries can be viewed for ninety days up to three
years.
Inquirer: SECOND NATIONAL BANK

111 SOUTH ST
ANYTOWN, MN 12345
800.999.1234
Inquiry Date : 1/19/2008
Name Provided : JOHN CONSUMER
SSN/ID Provided : XXX-XX-6789
Inquirer: THIRD NATIONAL BANK
222 WEST ST
ANYTOWN, MN 12345
Telephone Number Not Available
Inquiries Not Initiated By Consumer Action

Inquiries Not Initiated By Consumer Action refers to inquiries resulting
from transactions you may not have initiated, so you may not recognize
the source. Members of our service with a permissible purpose include
current creditors, pre-approval creditors, potential employers, and
potential investors trying to assess risks. We report these requests only to
you as a record of activities, and we do not include any of these requests
on credit reports to others.
Inquirer : ABC COMPANY

233 EAST ST
ANYTOWN, MN 12345
800.555.3333
On behalf of: CELLULAR SERVICES
315 NINTH ST
ANYTOWN, MN 12345
877-555-1111
Retail Information
Retail Information refers to returned checks written on an account and
certain collection accounts. Retailers and other businesses report this
information to Certegy Check Services, Inc. ChexSystems receives this
information directly from Certegy Check Services, Inc. and is not involved
in the collection of these items. For additional information you may
contact Certegy Check Services, Inc. by telephone at 800.437.5120 or in
writing to Certegy Check Services, Inc., P.O. Box 30046, Tampa, FL
33630-3046
Date of Check : 03/10/2009

Check Number : 9278
Amount Of Check : $36.84
Date Check Paid : NOT PAID YET
RTN/Account Number : 123456789/XXXXX7654
Drivers License : XXXXXXXX9123
State of Issuance : MN
Payee : K&R Grocery

Woodbury, MN 55125
Date of Check : 03/11/2009
Check Number : 9365
Amount Of Check : $156.29
Date Check Paid : 04/16/2009
RTN/Account Number : 123456789/XXXXX7654
Drivers License : XXXXXXXX9123
State of Issuance : MN
Payee : Amy’s Market
History of Checks Ordered

History of Checks Ordered refers to a record of check orders placed
within the past three years.
Name: JOHN C CONSUMER

SSN/ID: XXX-XX-6789
Drivers License: XXXXXXXX9123
State of Issuance: MN
RTN/Account Number : 123456789/ XXXXXXXXXXXXX0156
Quantity Ordered : 150
Check Start Number : 501
Date Order Shipped : 12/07/2008
Source of Information : SECOND NATIONAL BANK
111 SOUTH ST – MAIL STOP 2
ANYTOWN, MN 12345
888.555.9876
Social Security Number Validation

Social Security Number Validation indicates the year and state that a
particular sequence of digits first became available for issuance by the
Social Security Administration. This information does not include the
name of the individual to whom the number was issued.
XXX-XX-6789 Became Available for Issuance in 1980 in the State of MN
ChexSystems Contact Information

To obtain answers to the most frequently asked questions, please visit
our website at www.consumerdebit.com . If you have questions about the
information contained in this report, please contact us at the address or
telephone number listed above in our letterhead or by fax at 602-659-
2197.
Notices
You have a right to dispute any item of information contained in your consumer file. If
you believe information in your file may be inaccurate or incomplete, please submit your
dispute to the address or fax number listed above. Please be certain to include your
Consumer ID number, the source of the information you are disputing and the nature of
your dispute. Under normal circumstances, ChexSystems will inform you of the results
of the investigation within approximately 30 days (21 days for residents of Maine).
You may be entitled to place a statement of dispute on your consumer file. Your
statement must not exceed one hundred words (200 words for residents of Maine). Your
statement must not include the names of other individuals or businesses. Your
statement must pertain to the information contained in your consumer file and must not
contain profanity. You may submit your statement to the address or fax number listed
above. Please include your Consumer ID number and specifically indicate to which item
of information you wish to add the statement.
You may have a right to place a fraud alert and/or security freeze on your consumer file.
To obtain more information or to place an alert or freeze on your consumer file at
ChexSystems, please visit our website at
www.consumerdebit.com. If you are a current resident of AK, AR, CA, CO, DE, DC, FL,
GA, IN, MD, MA, MO, MT, NH, NJ, NM, NY, NC, ND, OH, OK, RI, TN, VT, VA, WV, or
WI there may be additional rights and information available to you. Please visit our
website at ww.consumerdebit.com and select the “Security Freeze” link or contact
us at the address or telephone number listed above to request a written copy of any
applicable state notices.

Woodbury, MN 55125
By submitting your personal information to ChexSystems, you acknowledge your

agreement to provide accurate identifying information and your understanding
that ChexSystems may access, store, and use this information to the extent
permitted by law.
OBTAINING YOUR
CHEXSYSTEMS REPORT
You can obtain your ChexSystems Report by mail or by Internet. The fee for your
ChexSystems Report is $9.00. However most people will not pay this fee…
because they meet the criteria listed below to receive a free copy of the
ChexSystems report.
To order your ChexSystems Report online you must have a major credit card…
OR… meet the criteria for a free report listed below.
If you do not have a major credit card, or do not qualify for the free report, then
you can send a check or money order for $9.00 to ChexSystems at the address
below.
You must include your full name, date of birth, Social Security number, and
current address, former addresses from the last 5 years and copy of a utility bill,
or something that indicates your current address.
If you have been declined from opening an account at a bank within 60

days you can obtain your report for free.
Obviously, the only reason why most people start looking for information about
Chexsystems to begin with is because they just got denied from opening a bank
account.
In addition to this:
FACTA Free Annual Report
Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to the
Federal Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your
consumer report, at your request, once every 12 months.
So you can see why most people never pay for their Chexsystems report. You
can easily request your report online. You must provide the name of the bank or
credit union, and the exact date they declined you:
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
1-800-513-7125
Order Your Chexsystems Report Online
In certain states you may also be entitle to a free ChexSystems Report by mail or
over the internet if you meet the following criteria:
• If you have been the subject of an adverse decision, such as denial of

credit, insurance or employment within the past 60 days
• Residents of Georgia are entitled to two (request credit report by mail).
• If you are unemployed and intend to apply for unemployment in the next
60 days.
• If you are on public welfare assistance.
• If you have reason to believe your file contains inaccurate information due
to fraud.
CHEXSYSTEMS REMOVAL
Obviously since the absolute best outcome is to have your name completely
removed from ChexSystems; this section has tips, advice, and suggestions to
accomplish that.
It should go without saying that everybody’s individual situation and

circumstances will be different. For some people using the information presented,
it will be easy for them to get their name removed from ChexSystems. For others
it may take some time, effort and diligence.
Overall depending on the circumstances ChexSystems removal can be a little

easier than credit repair. Most banks and financial institutions are very poor
record keepers. This makes it very difficult for them to validate account
information and provide written proof that the account you are questioning
belongs to you. Use that your advantage.
As said before in this guide… ChexSystems is subject to the same federal laws
as the credit bureau. The FCRA (Fair Credit Reporting Act); and the FDCPA (Fair
Debt Collection Practices Act).
What does this mean to you?
FIRST: You are entitled by law to challenge any and all items on your report.
SECOND: The burden of proof rests on the bureaus to prove the information is
right. NOT for you to prove to them it is wrong
THIRD The bureaus have only 30 days to prove their case.

FOURTH If they cannot prove that an item is NOT untrue, inaccurate, or
misleading they are required to delete the negative item.
These four simple yet powerful requirements has been the source for thousands
of people to have negative information deleted from Equifax, Experian, Trans
Union… and ChexSystems.
It is estimated that as many as 75 to 85 percent of all credit reports from the main
three credit bureaus contain credit reporting errors. It’s a sure bet that the
inaccuracy rates for ChexSystems is also very high.
Because of these laws, you can legally dispute any item on your ChexSystems
Report that you believe to be inaccurate and/or incomplete information. Once
your dispute has been received, then an investigation must be conducted. The
results of the investigation must reach you in a reasonable amount of time
(generally believed to be 30 days).
You can request an investigation and re-investigation at anytime.

Here is a summary of your rights:
The Federal Fair Credit Reporting Act (FCRA) is designed to promote

accuracy, fairness, and privacy of information in the files of every “consumer
reporting agency” (CRA). Most CRA’s are credit bureaus that gather and sell
information about you (such as if you pay your bills on time or have filed
bankruptcy) to creditors, employers, landlords, and other businesses. You can
find the complete text of the FCRA, 15 U.S.C. §§1681-1681, at the Federal Trade
Commission’s Web site www.ftc.gov
The FCRA gives you specific rights, as outlined below. You may have additional
rights under state law. You may contact a state or local consumer protection
agency
or a state attorney general to learn those rights.
Access to your file is limited. A CRA may provide information about you only to
people with a need recognized by the FCRA-usually to consider an application
with a creditor, insurer, employer, landlord, or other business.
Your consent is required for reports that are provided to employers, or

reports that contain medical information. A CRA may not give out information
about you to your employer, or prospective employer, without your written
consent. A CRA may not report medical information about you to creditors,
insurers, or employers without your permission.
You can find out what is in your file. At your request, a CRA must give you the
information in your file, and a list of everyone who has requested it recently.
There is no charge for the report if a person has taken action against you
because of information supplied by the CRA, if you request the report within 60
days of receiving notice of the action. You also are entitled to one free report
every twelve months upon request.
Otherwise, a CRA may charge you a fee of up to nine dollars ($9).
You must be told if information in your report has been used against you.
Anyone who uses information from a CRA to take action against you-such as
denying an application for credit, insurance, or employment-must tell you, and
give you the name, address, and phone number of the CRA that provided the
consumer report.
You can dispute inaccurate information with the CRA. If you tell a CRA that
your file contains inaccurate information, the CRA must reinvestigate the items
(usually within 30 days) by presenting to its information source all relevant
evidence you submit, unless your dispute is frivolous. The source must review
your evidence and report its findings to the CRA. (The source also must advise
national CRAs-to which it has provided the data-of any error.) The CRA must
give you a written report of the investigation and a copy of the revisions made to
your information if the investigation results in any change. If the CRA’s
investigation does not resolve the dispute, you may add a brief statement to your
file. The CRA must normally include a summary of your dispute statement in
future reports. If an item is deleted or a dispute statement is filed, you may ask
that anyone who has recently received your report be notified of the change.
Inaccurate information must be corrected or deleted. A CRA must remove or

correct inaccurate or unverified information from its files, usually within 30 days
after you dispute it. However, the CRA is not required to remove accurate data
from your file unless it is outdated (as described later) or cannot be verified. If
your dispute results in any change to your report, the CRA cannot reinsert into
your file a disputed item unless the information source verifies its accuracy and
completeness. In addition, the CRA must give you a written notice telling you it
has reinserted the item. The notice must include the name, address and phone
number of the information source.
You can dispute inaccurate items with the source of the information. If you
tell anyone-such as a creditor who reports to a CRA-that you dispute an item,
they may not then report the information to a CRA without including a notice of
your dispute. In addition, once you’ve notified the source of the error in writing, it
may not continue to report the information if it is, in fact, an error.
Outdated information may not be reported. In most cases, a CRA may not
report negative information that is more than seven years old; ten years for
bankruptcies.
You may choose to exclude your name from CRA lists for unsolicited credit
and insurance offers. Creditors and insurers may use file information as the
basis for sending you unsolicited offers of credit or insurance. Such offers must
include a toll-free phone number for you to call if you want your name and
address removed from future lists. If you call, you shall be kept off the lists for
two years. The toll-free number for all of the national CRAs is 1 888 5OPTOUT (1
888 567 8688.) If you request, complete, and return the CRA form provided for
this purpose, you shall be taken off the lists indefinitely.
All of these regulations apply to the Credit Bureaus… and to ChexSystems!
You may seek damages from violators. If a CRA, a user or (in some cases) a
provider of CRA data, violates the FCRA, you may sue them in state or federal
court.
The FCRA gives several different federal agencies authority to enforce the
FCRA:
For questions or concerns please contact:
Federal Trade Commission – CRC

600 Pennsylvania Avenue, NW
Washington, DC 20580
1 877 FTC HELP
Before you do anything your very first step is to obtain a copy of your actual
ChexSystems report, so you can see exactly what’s there and what the banks
are looking at.
Disputing your ChexSystems report is the first thing you should try. Just simply
disputing what ever is there. Maybe it truly is incorrect! Or maybe it is true… but
the huge bureaucracy between both ChexSystems and the bank will fail to
respond within 30 days
If there is no reply back to you at all within 30 days, then you send a follow up
letter back to them. Let them know in writing that it has been over 30 days and
according to the FCRA they are required to remove the information.
NON CHEXSYSTEMS BANKS
Our website Chexsystems Solutions has been in business since about 2001.
Back then there were simply not as much options available for people who were
in Chexsystems.
We maintained a list of Non Chexsystems Banks. We charged a nominal $10 in

order to download the list. This was mainly to offset the cost of maintaining the
list, making sure it was up to date, constantly calling banks to confirm if they were
using Chexsystems, removing the banks that previously didn’t use Chexsystem
but then started using them, etc.
If you think about it, the world has significantly changed in since 2001. People
started using debit cards! People started using online bill pay services. People
began writing paper checks less, and less. And, if you notice there are many
stores, and business, that really prefer that you didn’t use a check. In fact, there
are a lot of places that will take your paper check… run it through just like a debit
card… and then give the check right back to you!
In addition to this… there are simply much more resources, options, and
alternatives now for people in Chexsystems! For all of these reasons we
discontinued maintaining a Non Chexsystems Bank List.
There are still companies on the internet that will attempt to sell you a list of Non
Chexsystems Banks. We strongly recommend that you Do Not pay anyone for
such a list. It is simply no longer possible to truly maintain an accurate list. Banks
start using Chexsystems… stop using Chexsystems… then start again. Things
change everyday!
And now there are many banks that do use Chexsystems but will not
automatically deny someone. Most recent estimates say there are over 8 million
people in Chexsystems. Banks are in business to make money and they are
loosing a lot of potential money by simply saying no to everyone. It is just not
smart business. Therefore these banks will look at everyone on a case by case
basis!
There is an absolutely free online resource available that has links to these
banks. They also say it also includes Non Chexsystems Banks,
Of course we are unable to confirm how accurate it is but it is a completely FREE

resource! Just scroll down below and click to visit their website (you may have to
hold down the Ctrl Key at the same time you click). You can then submit an
application directly from your computer. There is a lot of feedback saying people
have had success with USAA Bank.
Also we have had more than one suggestion that you get better success applying
at one of those satellite bank locations that may be in your local grocery stores,
Wal-Mart’s, etc then going into a main bank branch. Apparently those satellite
locations need more customers.
Bank Location Website

Access National
Virginia www.accessnationalbank.com
Bank
Alabama, Arizona, California,

Colorado, Florida, Georgia, Illinois,
Armed Forces
Kansas, Kentucky, Missouri, Nevada, www.afbank.com
Bank (military)
New Jersey, North Dakota, Texas,
Virginia, Washington, Wyoming
Bank of
Louisiana try a google search
Gueydan
Bank of
Tennessee www.bankofnashville.com
Nashville
Bank of
Florida www.bankofpensacola.com
Pensacola
Capital City
Alabama, Florida, Georgia www.ccbg.com
Bank
Chester National
Illinois, Missouri www.chesternationalbank.com
Bank
Citizens State
Michigan www.mycommunitybank.com
Bank
City National
Oklahoma www.cnbok.com
Bank & Trust
Community
Oklahoma www.banktulsa.com
Bank & Trust
Elizabethton
Federal Savings Tennessee www.elizfed.com
Bank
Elk Horn Bank
Arkansas www.ehbt.com
& Trust
Equitable
Savings and Colorado www.equitable-savings.com
Loan
First
Convenience Texas www.1stcb.com
Bank
First Internet
Indiana www.firstib.com
Bank of Indiana
First State Bank Michigan www.thefsb.com
First State Bank Kansas www.fsbkcks.com
First State Bank
Illinois www.fsbmendota.com
of Mendota
First United
Colorado www.1stunitedbank.com
Bank
Fort Sill California, Delaware, North Carolina,
National Bank Oklahoma, South Carolina, www.fsnb.com
(military) Tennessee, Texas
Fremont
National Bank & Nebraska www.fremontnational.com
Trust
Glenview State
Illinois www.gsb.com
Bank
Greenville
Ohio www.greenvillenationalbank.com
National Bank
ING Direct Online - Nationwide www.ingdirect.com
Kevil Bank Kentucky try a google search
Keystone
Iowa www.keystonesavings.com
Savings Bank
Keywest Bank Florida www.keywest-bank.com
Marketplace
Florida try a google search
Bank
Merchants Bank Alabama www.merchantsbk.com
Old Florida
Florida www.oldflbank.com
Bank
Omega Bank Pennsylvania www.omegafinancial.com
Peoples Trust & Iowa www.ptsbank.com
Savings Bank
Prosperity Bank Florida www.prosperitybank.com
Alabama, Arkansas, Florida, Georgia,
Iowa, Illinois, Indiana, Kentucky,
Louisiana, Missouri, Mississippi,
Regions Bank www.regions.com
North Carolina,
South Carolina, Tennessee, Texas,
Virginia
Renasant Bank Alabama, Mississippi, Tennessee www.renasantbank.com
Savings Institute Connecticut www.savingsinstitute.com
Security Bank of
Southwest Missouri try a google search
Missouri
Alabama, Arkansas, District of
Columbia, Florida, Georgia,
Suntrust Bank Maryland, Mississippi, North www.suntrust.com
Carolina, South Carolina, Tennessee,
Virginia, West Virginia
Arizona, Colorado, Illinois, Indiana,
TCF Bank www.tcfexpress.com
Michigan, Minnesota, Wisconsin
Teche Federal
Louisiana www.teche.com
Bank
The Farmers
Ohio www.thefarmersstatebank.com
State Bank
Univest Pennsylvania www.univest.net
Arizona, California, Colorado,
USAA (military) www.usaa.com
Florida, Nevada, Texas, Virginia
Valley State
Kansas www.valleystatebank.com
Bank
Wayne County
Tennessee www.waynecountybank.com
Bank
SECOND CHANCE BANKING
It is very important to know that ChexSystems only maintains the database of

names! The decision of whether, or not, to deny someone from opening a bank
account is strictly up to the individual bank, and their policies.
However, there are also a lot of banks who realize that simply automatically
denying everyone who has a Chexsystems file is not really good business. Those
banks will make a decision on a case by case basis.
You might have heard of accounts under the names: second chance checking
accounts, fresh start checking accounts, opportunity checking, bad credit
checking account, etc. For the most part, these accounts are designed
specifically for people who may have past banking issues. The bank already
knows that you need help, and that’s exactly what these bank accounts may
accomplish.
There are several nationwide banks in the United States that may approve you
for a second chance checking account while having a negative item listed on
your Chexsystems report.
ChanceBanking.com is a free resource that maintains a directory to help people

find Second Chance Checking Accounts. If you are having trouble opening a
bank account, then try browse through their directory to find a local bank in your
area that offers a checking account for people who need a second chance.
Keep in mind that, as always, the final decision is up to the particular bank. This
is only a convenient directory to help you locate the bank, their website, and
physical location.
Simply click below. You may have to hold down the Ctrl Key at the same time
you click:
http://chancebanking.com
THE BEST
NON CHEXSYSTEMS
BANK ALTERNATIVE
From the majority of emails that we receive here at Consumers Info USA by
people who have been denied bank accounts, and looking for Non-ChexSystems
banks... The main problems are clear.
People without bank accounts tell us that their main problems are:
1) The ability to obtain direct deposit of their paychecks.
2) To eliminate having to use those expensive check cashing services on

payday.
3) A convenient way to pay their bills without having to always purchase money
orders.
4) And a ATM Debit Card with a Visa or MasterCard logo that can be used
anywhere.
You can easily get all of this WITHOUT having to use the traditional banks at all!
They are called PRE-FUNDED ACCOUNTS, Also called PERSONAL MONEY

ACCOUNTS.
The world of personal finance is very different now than when most of us grew
up.
It is no longer necessary to have paper checks, old fashioned checking accounts,

and checkbooks.
It is simply no longer efficient to write paper checks... waiting for them to clear...
balancing your checkbook... sending checks through the mail... waiting days for
the payment to be credited... remembering the outstanding checks that you wrote
which haven't cleared yet... etc. etc.
You can eliminate all of this with a Secured Pre-Funded Account!
These accounts gives you the ability to have Direct Deposit of your paycheck,
24-hour access to your money, an ATM card with a Visa or Master Card logo,
Online Bill Pay services that will allow you to easily pay all your bills, and the
ability to send anyone a check directly from your PC.
The account is secure! The money is kept safe in a FDIC Bank!

However it is NOT considered a regular traditional bank account.
Therefore there are No Credit Checks, and No Chexsystems Checks!
You can deposit money into the account... just like a bank!
You can make withdrawals of your money at anytime... just like a bank!
You will be issued an ATM debit card... just like bank!
You can pay bills, and send payments from your account to anyone using online
bill pay, OR by using any telephone 24 hours a day.
Below is a list of some of the money account features:
• Direct Deposit of your paycheck

• No More paying Check Cashing services
• ATM cards with Visa logo
• 24hr Access to your money
• Online and Offline toll-free customer service
• Low cost fees.
• No ChexSystems or Credit Check
• No Security Deposits
• No Employment Verification
• Set up of Online, or Automatic Bill Pay.
• Sign into your account and send anyone a check
• Withdraw funds, or make purchases, up to the balance on the card.
• You cannot overdraft the account! No NSF, No bounced checks!
Click Here To Visit Their Website

RESOURCES
CHEXSYSTEMS CONTACT INFORMATION:
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100 Woodbury, MN 55125
1-800-513-7125
ORDER CHEXSYSTEMS REPORT:

Order Your Chexsystems Report Online
Or you can easily print out the order form and fax it to Chexsystems at 1-602-659-2197.
You just need to know the name of the bank and the approximate date they denied you.
Click Here: https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/chexorderform.html
ORDER YOUR CREDIT REPORT:
The statistics are significantly clear that people in Chexsystems also may have incorrect
or misleading information on their main credit reports. There are only 3 major credit
bureaus in the U.S. Experian, Equifax, and Trans Union.
Equifax provides a service where anyone can order their credit report online. You will be
able to view, save, and/or print a 3 in 1 merged credit report. Your credit score is
NEVER affected when you pull your own credit report.
PERSONAL FINANCE ACCOUNT:
If the main thing you need is Direct Deposit, an ATM card with Visa logo, Free Online Bill
Pay service, and the ability to send anyone a check from your computer. Then you don’t
need a bank at all! Get all of this and more with a Ready Account. Everyone is approved!
INTERNET BANKS:
This may be a solution. Internet Banks are nearly as convenient as a local bank. Is it
really necessary for you to be walk inside, and stand in line at a bank? Obviously
internet banks have a building and a staff of employees somewhere.
However, all of their services can be completed online. They have a track record of not
using ChexSystems at all, or not automatically denying your account based solely on
your ChexSystems report. Every bank listed below has previously granted people new
accounts that are listed in ChexSystems.
Ever Bank http://www.everbank.com
Net Bank http://www.netbank.com/index.htm
Met Life Bank Direct http://www.bankdirect.com
US Bank http://www.usbank.com
FILE A BANK COMPLAINT
Feel like you may have been mistreated by a bank? Think they may have
violated some laws in the way they handled your situation?
We’ve included this section due the amount of feedback we receive from people
feeling they were mistreated by a bank employee or manager. And that the bank
sent erroneous information to Chexsystems.
Also it can often be the bank’s mistake that resulted in your name being to
ChexSystems. This is exactly what happened in my case.
We received an email from Angela. And in her case she had documentation to
show that the dispute was clearly the banks fault. They closed her account, and
reported her to Chexsystems solely because of an error that they had made. She
decided to file a complaint in the state the bank was located. She included all her
documentation and the letters that she had sent to the bank for which, the bank
never responded.
Banks and other financial institution do have governing officials that they have to
answer to. Many of these are officials for the state in which the bank is doing
business in.
The offices listed below regulate and supervise state-chartered banks. Many of
them handle or refer problems and complaints about other types of financial
institutions as well. Some also answer general questions about banking and
consumer credit.
If you are dealing with a federally chartered bank, and feel you have been treated
inappropriately, not responding to your situation, etc. you can contact the office in
your state below to file a complaint.
State Banking Authorities
Alabama
Superintendent of Banks
Center for Commerce, Suite 689
401 Adams Ave.
Montgomery, AL 36130-1201
334-242-3452
Fax: 334-242-3500
Web site: www.bank.state.al.us
Alaska
Division of Banking and Securities
Department of Commerce,
Community and Economic Development
P.O. Box 11807
Juneau, AK 99811-0807
907-465-2521
TDD: 907-465-5437
Fax: 907-465-2549
E-mail: dbsc@dced.state.ak.us
Web site: http://www.dced.state.ak.us/bsc/bsc.htm
Arizona
Superintendent of Banks
State Banking Department
2910 North 44th St., Suite 310
Phoenix, AZ 85018
602-255-4421
Toll free in AZ: 1-800-544-0708
Fax: 602-381-1225
Web site: www.azbanking.com
Arkansas
State Bank Department
400 Hardin Rd., Suite 100
Little Rock, AR 72211
501-324-9019
Fax: 501-324-9028
E-mail: asbd@banking.state.ar.us
Web site: www.accessarkansas.org/bank
California
Commissioner
State Department of Financial Institutions
111 Pine St., Suite 1100
San Francisco, CA 94111
415-263-8555
Toll free in CA: 1-800-622-0620 (for consumer complaints against
CA state-licensed banks, the "800" number reaches
the Consumer Services Office, located in Sacramento, CA.
Fax: 415-989-5310
E-mail: consumer@dfi.ca.gov
Web site: www.dfi.ca.gov
Colorado
Division of Banking
Department of Regulatory Agencies
1560 Broadway, Suite 1175
Denver, CO 80202
303-894-7575
Fax: 303-894-7570
E-mail: banking@dora.state.co.us
Web site: www.dora.state.co.us/banking/
Connecticut
Banking Commissioner
Connecticut Department of Banking
260 Constitution Plaza
Hartford, CT 06103
860-240-8200
Toll free in CT: 1-800-831-7225
Fax: 860-240-8178
Web site: www.state.ct.us/dob
Delaware
State Bank Commissioner
Office of the State Bank Commissioner
555 East Lockerman St., Suite 210
Dover, DE 19901
302-739-4235
Fax: 302-739-2356
E-mail: choffecker@state.de.us
Web site: www.state.de.us/bank
District of Columbia
Department of Insurance, Securities and Banking
1400 L St., NW
Washington, DC 20005
202-727-1563
Fax: 202-727-1290
Web site: www.dbfi.dc.gov
Florida
Department of Financial Services
200 East Gaines St.
Tallahassee, FL 323990300
850-413-3100
Toll free in FL: 1-800-342-2762
TDD: 850-410-9700
Fax: 850-488-2349
Web site: www.fldfs.com
Georgia
Legal & Consumer Affairs Department
Department of Banking and Finance
2990 Brandywine Rd., Suite 200
Atlanta, GA 30341-5565
770-986-1653
Toll free in GA: (888) 986-1633
Fax: 770-986-1654
Web site: www.gadbf.org
Hawaii
Commissioner
Financial Institutions
Department of Commerce and Consumer Affairs
1010 Richards St., Room 602A
Honolulu, HI 96805
808-586-2820
Toll free in Kauai: 1-800-274-3141
Toll free in Maui: 1-800-984-2400
Toll free in Hawaii: 1-800-974-4000
TDD/TTY: 808-586-2820
Fax: 808-586-2818
E-mail: dfu@dcca,gawauu,giv
Web site: www.hawaii.gov/dcca/dci
Idaho
Director
Department of Finance
PO Box 83720
Boise, ID 83720-0031
208-332-8000
Toll free in ID: 1-888-346-3378
Fax: 208-332-8098
E-mail: finance@fin.state.id.us
Web site: finance.state.id.us/home.asp
Illinois
Commissioner
Division of Banks and Real Estate
310 South Michigan Ave., Suite 2130
Chicago, IL 60604
312-793-3000
Toll free: 1-877-793-3470
TDD: 312-793-0291
Fax: 312-793-7097
Web site: www.obre.state.il.us
Indiana
Department of Financial Institutions
30 S. Meridian Street, Suite 300
Indianapolis, IN 46204
317-232-3955
Toll Free: 1-800-382-4880
Fax: 317-232-7655
Web site: www.in.gov/dfi
Iowa
Superintendent of Banking
Division of Banking
200 East Grand, Suite 300
Des Moines, IA 50309-1827
515-281-4014
Toll free: 1-800-972-2018
Fax: 515-281-4862
E-mail: idob@max.state.ia.us
Web site: www.idob.state.ia.us
Kansas
Commissioner
Office of the State Bank Commissioner
700 Jackson St., Suite 300
Topeka, KS 66603-3714
785-296-2266
Toll free: 1-877-387-8523 (Consumer Helpline)
Fax: 785-296-0168
Web site: www.osbckansas.org
Kentucky
1025 Capitol Center Dr., Suite 200
Frankfort, KY 40601
502-573-3390
Toll free: 1-800-223-2579
Fax: 502-573-8787
Web site: www.dfi.state.ky.us
Louisiana
Commissioner
Office of Financial Institutions
PO Box 94095
Baton Rouge, LA 70804-9095
225-925-4660
Fax: 225-925-4524
E-mail: la_ofi@mail.premier.net
Web site: www.ofi.state.la.us
Maine
Bureau of Financial Institutions
36 State House Station
Augusta, ME 04333-0036
207-624-8570
Toll free: 1-800-965-5235
TDD: 207-624-8563
Fax: 207-624-8590
Web site: www.mainebankingreg.org
Maryland
Commissioner of Financial Regulation
500 North Calvert St., Suite 402
Baltimore, MD 21202
410-230-6100
Toll free in MD: 1-888-784-0136
TTY: 410-767-2117
Fax: 410-333-0475
E-mail: fin_reg@dllr.state.md.us
Web site: www.dllr.state.md.us/finance/
Massachusetts
Commissioner
Division of Banks
One South Station
Boston, MA 02110
617-956-1500
Toll free in MA: 1-800-495-2265
TDD: 617-956-1577
Fax: 617-956-1597
Web site: www.mass.gov/dob
Michigan
Office of Financial and Insurance Services
611 W. Ottawa St., 3rd Floor
P.O. Box 30220
Lansing, MI 489330220
517-373-3460
Toll free: 1-877-999-6442
Fax: 517-335-4978
Web site: www.michigan.gov/ofis
Minnesota
Financial Examinations Division
Department of Commerce
85 Seventh Place East, Suite 500
St. Paul, MN 55101
651-296-2715
Fax: 651-296-8591
E-mail: kevin.murphy@state.mn.us
Web site: www.commerce.state.mn.us
Mississippi
Department of Banking and Consumer Finance
P.O. Box 23729
Jackson, MS 39205-3729
601-359-1031
Toll free in MS: 1-800-844-2499
Fax: 601-359-3557
E-mail: bass@dbcf.state.ms.us
Web site: www.dbcf.state.ms.us
Missouri
Department of Finance
PO Box 716
Jefferson City, MO 65102
573-751-3242
Fax: 573-751-9192
E-mail: finance@ded.mo.gov
Web site: www.missouri-finance.org
Montana
Division of Banking & Financial Institutions
301 South Park, Suite 316
PO Box 200546
Helena, MT 59620-0546
406-841-2920
Fax: 406-841-2930
Web site: www.discoveringmontana.com/doa/banking
Nebraska
Director
Department of Banking & Finance
1230 "O" St., Suite 400
PO Box 95006
Lincoln, NE 68509-5006
402-471-2171
Fax: 402-471-3062
Web site: www.ndbf.org
Nevada
Financial Institutions Division
Department of Business & Industry
2501 E. Sahara Ave, #300
Las Vegas, NV 89704
702-486-4120
Fax: 702-486-4563
E-mail: ctidd@fid.state.nv.us
Web site: www.fid.state.nv.us
New Hampshire
64B Old Suncook Rd.
Concord, NH 03301
603-271-3561
TDD/TTY toll free: 1-800-735-2964
Fax: 603-271-1090
Web site: www.state.nh.us/banking
New Jersey
Commissioner
Department of Banking and Insurance
20 West State St.
P.O. Box 325
Trenton, NJ 08625
609-292-3420 (Banking)
Fax: 609-292-5571
Web site: www.njdobi.org/
New Mexico
Financial Institutions Division
Regulation and Licensing Department
2550 Cerrillos Rd., 3rd Floor
Santa Fe, NM 87501
505-426-4885
Fax: 505-476-4670
E-mail: rldfid@state.nm.us
Web site: www.rld.state.nm.us/FID/
New York
Banking Department
One State Street
New York, NY 10004
212-709-5470
Toll free in NY: 1-877-BANK-NYS (consumer services hotline)
Fax: 212-709-3582
Web site: www.banking.state.ny.us
North Carolina
NC Commissioner of Banks
North Carolina Commissioner of Banks
4309 Mail Service Center
Raleigh, NC 27699-4309
919-733-3016
Fax: 919-733-6918
Web site: www.banking.state.nc.us
North Dakota
Commissioner
2000 Schafer St.
Suite G
Bismarck, ND 58501-1204
701-328-9933
TDD toll free in ND: 1-800-366-6888
Fax: 701-328-9955
E-mail: dfi@state.nd.us
Web site: www.discovernd.com/dfi
Ohio
Division of Financial Institutions
Department of Commerce
77 South High St., 21st Floor
Columbus, OH 43215-6120
614-728-8400
614-466-2932
Fax: 614-644-1631
Web site: www.com.state.oh.us/ODOC/dfi/
Oklahoma
4545 North Lincoln Blvd., Suite 164
Oklahoma City, OK 73105
405-521-2782
Fax: 405-522-2993
Web site: www.osbd.state.ok.us
Oregon
Department of Consumer & Business Services
Division of Finance and Corporate Securities
350 Winter St., NE, Room 410
Salem, OR 97310
503-378-4140
Toll free: 1-866- 814-9710 (Fraud and complaint investigation)
TTY: 503-378-4100
Fax: 503-947-7862
E-mail: dcbs.dfcsmail@state.or.us
Web site: www.oregondfcs.org
Pennsylvania
Secretary
Department of Banking
333 Market St.
16th Floor
Harrisburg, PA 17101-2290
717-787-6991
Toll free in PA: 1-800-PA-BANKS
TDD toll free: 1-800-679-5070
Fax: 717-787-8773
Web site: www.banking.state.pa.us
Puerto Rico
Fernandez Juncos Station
PO Box 11855
San Juan, PR 009103855
787-723-3131
Fax: 787-723-4042
Web site: www.cif.gov.pr
Rhode Island
Division of Banking
Department of Business Regulation
233 Richmond St., Suite 231
Providence, RI 029034231
401-222-2405
TDD/TTY: 401-222-2999
Fax: 401-222-5628
E-mail: BankInquiry@dbr.state.ri.us
Web site: http://www.dbr.state.ri.us
South Carolina
Commissioner of Banking
State Board of Financial Institutions
1015 Sumter St., Room 309
Columbia, SC 29201
803-734-2001
Fax: 803-734-2013
South Dakota
Director
Division of Banking
217 1/2 W. Missouri Ave.
Pierre, SD 57501-4590
605-773-3421
Fax: 605-773-5367
Web site: www.state.sd.us/banking
Tennessee
Commissioner
The Nashville City Center
511 Union Street, 4th Floor
Nashville, TN 37219
615-253-2023
Toll Free: 1-800-778-4215
TDD/TTY: 615-253-7794
E-mail: TDFI.ConsumerResources@state.tn.us
Web site: www.state.tn.us/financialinst/
Texas
Department of Banking
2601 North Lamar
Austin, TX 78705
512-475-1300
Toll free in TX: 1-877-276-5554
Fax: 512-475-1313
Web site: www.banking.state.tx.us
Utah
PO Box 146800
Salt Lake City, UT 84114-6800
801-538-8830
Fax: 801-538-8894
Web site: www.dfi.utah.gov
Vermont
Department of Banking, Insurance, Securities and Health Care Administration
89 Main St., Drawer 20
Montpelier, VT 05620-3101
802-828-4872
802-828-3307 (Banking)
Toll free: 1-800-964-1764 (All insurance except health)
Toll free: 1-800-631-7788 (Health Care)
Fax: 802-828-3306
E-mail: rmcNaughton@bishca.state.vt.us
Web site: www.bishca.state.vt.us
Virgin Islands
Chairman of Banking Board
Kongen's Gade #18
Charlotte Amalie
St. Thomas, VI 00802
340-774-2991
Fax: 340-774-6953
Virginia
Commissioner
Bureau of Financial Institutions
1300 East Main St., Suite 800
P.O. Box 640
Richmond, VA 23218-0640
804-371-9657
Toll free in VA: 1-800-552-7945
TDD: 804-371-9206
Fax: 804-371-9416
Web site: www.state.va.us/scc
Washington
Director
PO Box 41200
Olympia, WA 98504-1200
360-902-8700
Toll free: 1-877-RING-DFI
Fax: 360-586-5068
Web site: www.dfi.wa.gov
West Virginia
Commissioner
Division of Banking
State Capitol Complex - Building 3, Room 311
1900 Kanawha Blvd. East
Charleston, WV 25305-0240
304-558-2294
Toll free in WV: 1-800-642-9056
Fax: 304-558-0442
Web site: www.wvdob.org
Wisconsin
345 West Washington Ave., 3rd Floor
Madison, WI 53708
608-264-7969
Toll free in WI: 1-800-452-3328
Fax: 608-264-7968
Web site: www.wdfi.org
Wyoming
Commissioner
Division of Banking
Herschler Bldg.
3rd Floor, East
Cheyenne, WY 82002
307-777-7797
Fax: 307-777-3555
E-mail: maitchison@wyaudit.state.wy.us
Web site: audit.state.wy.us/banking
About Us
We Are Consumers Info USA
We are a Consumer’s Information Group. For over 10 years we have been one of
the leading sources for national consumer digital informational resources and e-
book guides like:
* Understanding Your Credit

* Bad Credit Assistance
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* And more…
Consumers Info USA researches, compiles, analyzes and reports educational

resources, and information nationwide for the everyday American consumer.
Consumers Info USA uses a collection of consumer reports, articles, and actual
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MY STORY
My name is Greg Ford. I have been affiliated with

Consumers Info USA since 2001. Their ultimate goal is to
provide people with information they need that helps
them resolved a problem, achieve a goal, benefits their
lives in some way, etc.
I started in the real estate division. I was a real estate

agent for many years with Century-21 and got involved
with Consumers Info USA in creating eBook guides that showed people how to
buy their first home, how to sell your home, how to fix your credit so you can get
approved for a home loan, etc. It expanded from there.
The reason why this website was created is due to my own personal experience
with Chexsystems.
About 10 years ago I had a 1 bedroom condo and got into some dispute with the
owner’s association. As often is the case, I can’t even remember what it was
about now, but I stopped paying the monthly dues. This went on for about 8
months and then one day my ATM card didn’t work… it gave me a message to
“see your bank.” It was SunTrust and when I spoke to them they said my condo
association got a court order to levy the account.
For those who may not know… a bank levy means the account is frozen and the
bank is ordered to send your money to the court by whatever date is on the
order. It is suppose to only be for the amount that’s on the court order. Or, if you
don’t have that amount in your account then the bank sends what ever is there.
Well… the judgment was for approximately $700. I only had about $400 in the
account. Somebody at SunTrust screwed up and sent the courts the $700. Then
a couple of weeks later sent me a notice saying I was overdrawn! So, I’m sure
you can imagine what my response was. The account was completely frozen… I
could not even use the card to do a balance inquiry. So obviously I couldn’t have
done it. They either accept their mistake, or find the employee that actually did it
and have them repay. I already had another account at Wachovia and I wasn’t
feeling all that great about SunTrust anyway, so it was very easy to ignore them.
About 3 years later, I wanted to get business account. Another bank had a better
deal than Wachovia so I went to apply. I never had any problems opening an
account before and didn’t even think about it one way, or the other. But I’m sitting
at the desk, the lady’s talking on the phone and it does sound like some kind of
credit check. I’m thinking they’re running a credit check just to open up a bank
account? Then I hear her say the name SunTrust.
I honestly had forgotten all about them! So the lady hangs up the phone and just
says “Can’t do it… SunTrust says you owe them money and reported you to
Chexsystems”
It was absolutely amazing how her whole entire attitude completely changed
after she hung up that phone. She just said you need to contact Chexystems. A
security guard was there and they practically threw me out! To be fair, it was
right at closing time and I was next to the last customer. But they were definitely
ready for me to get out of their bank.
So, I’m sure you know the rest. I went home, got on the computer and
immediately started searching for information about Chexsystems. At that time I
thought it was Checks Systems. This was about 2001 and there was a whole lot
less information about them on the internet then there is now. I was already
associated with Consumers Info USA as far as their real estate dept. But I
learned how huge this was. There are millions of people being denied bank
accounts each year in the U.S. There was definitely a need for this information.
BACK
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We absolutely do not sell or share your information with anyone for any reason,
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Please read on for more details about our privacy policy.
What information do we collect? How do we use it?
When you request more information we only need to know your name, and e-
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information. That is all your information is used for.
Keep in mind that when you click on a link to view and browse wigs, hair
extensions, and accessories you are actually leaving Consumers Info USA
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uses a Secure Server for collecting personal and credit card information. A
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party vendors, but these statistics will not include personal identifying
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Consumers Info USA is committed to protecting your privacy. We use the

information we collect on the site to provide exactly what you have requested.
We do not sell, trade, or rent your personal information to others.
Your Consent
By using our Web site, you consent to the collection and use of this information
by Consumers Info USA. If we decide to change our privacy policy, we will post
those changes on this page so that you are always aware of what information we
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Consumers Info USA also provides links to affiliated sites. The privacy policies of
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USA has no control or influence over their policies.
Please check the policies of each site you visit for specific information.
Consumers Info USA cannot be held liable for damage or misdoings of other
sites linked or otherwise.
You can contact us by visiting www.chexsystemssolutions.com
Thank you
Greg Ford
Consumers Info USA
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A Guide About ChexSystems

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CONSUMERS INFO USA

809 Aberdeen Rd Drawer 9001

We are not ChexSystems! We are in no way affiliated with ChexSystems!

You will be sent real suggestions, and actual tips,

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Pre-designed Dispute Letter Templates.

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HOW CHEXSYSTEMS AFFECTS YOU

WHAT ARE YOUR OPTIONS

WHAT IS ON A CHEXSYSTEMS REPORT

OBTAINING YOUR CHEXSYSTEMS REPORT

NON CHEXSYSTEMS BANKS

SECOND CHANCE BANKS

BEST NON CHEXSYSTEM BANK ALTERNATIVE

FILE A BANK COMPLAINT

This database is maintained by a company called ChexSystems. They are kind

A company called The Deluxe Corporation purchased ChexSystems in 1984.

EFunds Corporation principal activities are transaction processing, risk

The Group operates in four segments: Electronic Payments which provides

If that inquiry returns any negative information, particularly if there is an unpaid

Then, if you attempt to try at another ChexSystems member bank... it is very

It is estimated that approximately 80% of all banks nationwide are members of

By eliminating anyone with ChexSystems record, banks can inexpensively weed

Why is this wrong?

WHAT ARE YOUR OPTIONS?

CHEXSYSTEMS REMOVAL Obviously the best scenario would be to have your

ChexSystems reports contain a variety of information used

• If the applicant has an account closure on file

Below is a sample of what a Chexsystems Report looks like. You can

12005 Ford Road, Suite 600 Consumer Relations

This report was prepared for JOHN C CONSUMER

Please provide your Consumer ID number, along with your Social

Name on Alert : JOHN C CONSUMER

Security Freeze Record

Name on Freeze : JOHN C CONSUMER

12005 Ford Road, Suite 600 Consumer Relations

SSN/ID indicates a Social Security number, Individual Taxpayer

Source of Information: FIRST NATIONAL BANK

Reported Name: JOHN CONSUMER

Date Reported: 05/25/2009

Debt Reported: ChexSystems has no debt information available.

Source of Information: SECOND NATIONAL BANK

Source of Information: THIRD NATIONAL BANK

12005 Ford Road, Suite 600 Consumer Relations

Inquiries Initiated By Consumer Action

Inquirer: SECOND NATIONAL BANK

Inquiries Not Initiated By Consumer Action

Inquirer : ABC COMPANY

Date of Check : 03/10/2009

12005 Ford Road, Suite 600 Consumer Relations

History of Checks Ordered

Name: JOHN C CONSUMER

Social Security Number Validation

ChexSystems Contact Information

12005 Ford Road, Suite 600 Consumer Relations

By submitting your personal information to ChexSystems, you acknowledge your

If you have been declined from opening an account at a bank within 60

• If you have been the subject of an adverse decision, such as denial of

It should go without saying that everybody’s individual situation and