here is a list of banks and credit unions etc ANYONE can get regarless of location and chexsystems

mca · March 1, 2007

FSNB

URL: www.fsnb.com

Important Information:

They use a credit check..some people have been turned down due to credit but most are approved. They do not use chexsystems or Telecheck. Anyone can get an account with them regardless of location.

Special Notes:

You must call and request an application be mailed to you FSNB# (800) 749-4583 New Accounts

If you do not set up direct deposit, you will only get an ATM card for the first 4 months, ( then you need to call New accounts and request one ) If you set up direct deposit ( wait until the 2nd direct deposits hit the account ) call and ask them to send you a VISA debit card.

They also have a special added feature called Temporary Overdraft.

- no credit check -no applications - no forms to fill out - they give you an advance , up to your lowest of the last two deposits, for the $16 fee.

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATM fee

EverBank

URL: www.everbank.com

Important Information:

It has been reported that they are very picky about the credit situation.

Email:

Dear Mary,

Thank you for your message.Your over all credit report is what we use for reviewing applications.Should you have any further questions, please feel free to contact our Customer Care Center 24 hours a day, 7 days a week toll-free at 888.882.EVER (3837) or if you prefer, email us at service@everbank.com.

Happy EverBanking!

Tracy Mimms,

Customer Care Specialist

Email :

Dear Sir Or Madam,

Thank you for your message. For the application and approval process, Everbank does not contact Chex Systems. Each application is subject to a credit review by our Risk department. To approve applications, Everbank runs a credit report to match the information provided to us and to see

if the credit score meets our requirements. Should you have any further questions, please feel free to contact our Customer Care Center 24-hours a day toll-free at 888.882.3837 or if you prefer, email us at service@everbank.com.

Happy Everbanking!

Deposit Making Information:

Direct Deposit. For quick access to funds, set up the direct deposit of your paychecks and/or Social Security payments. External Transfers. Use our online External Transfers feature to move money between EverBank and non-EverBank financial accounts. It's secure, and can be done any time, day or night, in the EverOne Financial Center. Bank-by-Mail. Use one of your handy postage-paid Bank-By-Mail envelopes to mail your deposits. Wiring Funds. There is no fee to send a wire transfer to EverBank. ATM. Make a deposit at over 13,000 deposit-taking ATMs across the nation. Click here to find the ATMs nearest you. Jacksonville, FL Financial Centers. Stop by any of our Jacksonville, FL financial centers to make a deposit.

Other Important Information:

EverBank? will even reimburse you for up to $6.00 a month in surcharges levied by ATM operators (simply use one of our convenient bank-by-mail envelopes to mail EverBank your ATM receipts within 90 days of the transaction)!

You'll also enjoy the security of Verified by Visa, a service that protects your Visa CheckCard with a personal password so that only you can use your card online

To locate an ATM near you go to web site and click link ..ATMS all over that take deposits

they also have business accounts

AMERICA'S CREDIT UNION

URL: https://www.yourcreditunion.org/index.php

Important Information:

***IT HAS BEEN REPORTED THAT THEY ARE VERY PICKY ABOUT CREDIT ***

***IT IS VERY HARD TO GET APPROVED FOR AN ACCOUNT WITH THEM UNLESS CREDIT SITUATION IS EXCELLENT ***

-they do not use chexsystems

-you can apply for membership online

-send in a copy of your DL and SS card notarized with signature card

Email:

Dear Mary,

Thank you for contacting America's Credit Union. We appreciate the

opportunity to assist you. Please be advised we do pull credit when opening new accounts and we only pull through Equifax.

Thank you,

Sherrie Konken

eBranch Representative

Other Important Information:

**** go here to see if there is an ATM or service center near you..

http://www.co-opnetwork.org/public/index.cfm

THIS allows you to use this account and get service no different than a local account.

DIGITAL FEDERAL CREDIT UNION

URL: www.dcu.org

Important Information:

- anyone can open a savings account with them

- uses Equifax for savings ( ONLY ) but uses chexsystems for checking

-savings comes with an ATM card

-they have shared service centers all over the US ( where you can have your account serviced with just a membership card and your ID )

-deposit taking ATMs all over the US ..go to web site and here to find if there is one near you http://www.cuservicecenter.com

-Must become a member in order to open an account

Email:

Dear Mary,

Thank you for your email regarding membership in DCU. Yes. By joining the AAPD, you become eligible to join DCU. I have included an application with this email. Please complete and mail back to DCU, PO BOX 9130, 220 Donald Lynch Blvd., Attn: Account Services, Marlborough, Ma 01752. Please allow two weeks to process. Please let me know if I can be of any further assistance in regards to your DCU accounts or our online services!

Sincerely,

John

E-Branch Specialist

Digital Federal Credit Union

HOPE CREDIT UNION

URL: http://www.hopecu.org

Important Information:

***IT HAS BEEN REPORTED THAT IT IS VERY DIFFICULT TO GET AN ATM CARD SENT ON THIS ACCOUNT, AND THE CUSTOMER SERVICE IS VERY BAD***

Special Notes:

-do not use chex, telecheck or a credit report to open a Savings ACCOUNT only ( checking for those in Mississippi, Arkansas, and Louisiana ONLY )

-Anyone regardless of location can get a savings account with them.

Handling your financial matters becomes more convenient for members in July as HOPE joins a network of credit unions located across the U.S.

Through a concept known as Shared Service Centers, HOPE members can withdraw cash, deposit funds, or make loan payments at any of the more than 1,700 credit unions that are part of this national network, just as if they were at a HOPE branch. When visiting a shared network branch, the member needs only a valid account number and proper identification to conduct business.

To see if there are service centers near you ..check at http://www.creditunion.net

Membership Information:

Any individual is eligible to join ECD/HOPE. To do so you need to complete the ECD/HOPE application form, pay a membership fee of $10 and make the initial minimum deposit. Once you've joined you are eligible to apply for any of HOPE's products and services including paperless checking, money market, consumer loans, mortgage loans and commercial loans.

If you wish to make a deposit in HOPE, but don't wish to join please complete the non-member deposit application.

$5 of your membership fee is a contribution to ECD, a 501©(3) non-profit, and is tax deductible.

USAA

URL: www.usaa.com

Membership Information:

USAA membership requirements appear to be either active duty military or less than 2 year separation. Also, if you are a dependent of a USAA member along with being a spouse and the other case appears to be a resident of Bexar County, TX - i.e. San Antonio then you can open up a banking account.

One can always contact USAA CSR directly in borderline cases. If you are eligible to get a USAA account then you should do so.

Special Notes:

USAA uses Tele check not chex systems. They are very nice and have the best customer service. Just call and explain that you need a membership number to open a checking account and it is as simple as that. If you have the 50.00 deposit you can give it to them with a credit card right over the phone, they will set you up at that same moment. The account shows up online in just 2 days. You will get your cards and checks in about a week.

Best thing is that they send you postage paid envelopes for deposits. There are cash back rebates on all purchases made as a credit. 10 ATMs a month are free and they even pay the fees 1.50 per ATM up to 15.00 a month that the other bank charges to you.

USAA BANKING NUMBERS

Banking Services 1-800-531-2265

(210-456-8000 in San Antonio)

Monday - Friday, 7:30 a.m. - 10 p.m. CT

Saturday, 8 a.m. - 6 p.m. CT

Sunday, 1 p.m. - 6 p.m. CT

NAVY FEDERAL CREDIT UNION

URL: http://www.navyfcu.org

Important Information:

If you are eligible for membership you will get an account, They do not use chexsystems or Telecheck.

Membership Information:

Navy Federal's Field of Membership is determined by the National Credit Union Administration (NCUA). If you are in any of these categories, you are eligible to join.

All Department of the Navy (DON) Personnel - regardless of location or rank, including:

Active duty Navy and Marine Corps

Reservist, regardless of drilling status

Civilian employees

Retired or Annuitant

DON Contractors assigned to U.S. Government sites afloat or ashore.

DON Officer Candidate programs, NROTC, U.S. Naval Academy, U.S. Coast Guard Academy, U.S. Merchant Marine Academy.

U.S. Government - Military and civilian personnel employed by the U.S. Government assigned to, stationed at or working at a Navy installation, afloat or ashore.

Family - including:

Grandparents

Parents

Spouse

Siblings

Children (includes adopted, foster and step children)

Grandchildren

or if you have a family member who is already a member of NFCU, you're in. With no questions asked other than s.s. # and drivers license # (for security purposes only) and address. After the account is opened, you have a month to deposit $5 into savings to keep the account open.

OHIO UNIVERSITY CREDIT UNION

URL: http://www.oucu.org

Membership:

Mary,

You can get a membership application for Friends of the Library by going to our website at www.oucu.org, clicking on "how to join", then "membership groups", then "Ohio University Friends of the Libraries". There is a form you can print and mail with a $30.00 donation. After you have joined Friends of the Libraries you can complete an online Credit Union membership application and we will mail it to you for your signature, or you can stop by any of our offices to open an account. If you have any questions please let me know.

Thank you,

Susie Bise

Electronic Services

Ohio University Credit Union

Email:

Mary,

We use a credit report to verify.

Susie

Special Notes:

No, they are not part of "shared branching".....although their ATMs are part of the "Alliance One" Network which can be found nationwide, generally at credit unions...this means you can make instantly credited deposits, low or no-fee transactions, etc....so its almost as good as being part of the shared branching......

Mailing Address

P.O. Box 476

Athens, OH 45701

Office Addresses

90 S. Shafer Street & 944 E. State St. Athens, OH 45701

TECHE BANK

URL: http://teche.com

Email:

Dear Mary,

Thank you for your e-mail. We do not verify new checking accounts or savings accounts with chexsystems, telecheck or a credit report. If you need more information about opening a checking account you can call our Customer Service at 1-800-897-0315.

Thank you for contacting Teche Federal,

Sandra

Special Note:

they will open an account for anyone ( REGARDLESS OF LOCATION OF RESIDENCE) but you must be in person to open

BANK CAROLINE

URL: www.bankcaroline.com

email

We use telecheck and Equifax to check your credit history to see if you qualify for an account with Bank Caroline.

Sincerely,

Joe Schrum

Special Information:

-this is an internet bank

Bank CaroLine offers all the conveniences of on-line banking, plus something extra: me, CaroLine, your on-line banker.

Since I live on the Internet, I'm always just a click away, ready to assist you with all your banking needs. Together, we can open a checking account or CD, check your account balances, transfer funds and even pay your bills on-line. Believe me, banking has never been this simple and convenient!

Business Account Information:

Business Accounts

OnLine Business Checking

An ideal interest-bearing checking account for businesses with less than 150 monthly transactions.

Offered to Sole Proprietorships and Non-Profit Organizations

TD WATERHOUSE BANK

URL:

Special Notes:

They will open the brokerage account without checking Chex systems, but when you apply for the banking portion, you will checked in chex systems.

FRANKLIN TEMPLETON

URL: www.franklintempleton.com

Important Information:

1.800.632.2301 phone

-will not check chexsystems, telecheck or do a credit check for a money market account ONLY. They will run chexsystems for a checking account. This acount should not be used as a business account.

This is a money market account. NOT a checking acount. It does have checking account features (ie checks, debit card). But checks can ONLY be written for 500.00 and above. You can use the debit card feature for any amount you wish though.

Your initial opening deposit can be handled in two ways. You can send a personal OR Cashiers check (NO MONEY ORDERS) in the amount of 1000.00 along with your application. OR you can choose to have 50.00 debited from a banking account. The second option is obviousy optimum, but may pose a problem for those without access to a checking account currently.

Special Notes:

The questions on the application are a little confusing to someone who has never opened an investment account. Heres what you need to do.

Pull the Money Market Funds Application online, Print it out.

First. Fill out the account holder information. Individual or Joint applicant.

Section 1: Trust/Corporation etc.. Dont fill this out, UNLESS you are applying for this as a corporation or granted trust. (most wont be doing this)

Section2: Dividend Distribution... Most people chose to reinvest. Simply means where do you want the interest/dividends that you earn on your money sent at the end of the month/year. Reinvesting will put them back into your account.

Section3: Fund Selections. Choose Franklin Money Fund 0111. Currently provides the best rate of return on your money.

Section 4a:DONT check anything, Unless you DONT want to access your account via telephone.

Section 4b: If you chose this option , you can open your account with 50.00. Otherwise you have an opening deposit of 1000.00. Chosing this option requires you to deposit atleast 50.00 a year into your account automatically (via direct deposit OR checking account). You have to set up a bank draft later in section 4e.

Section 4c: Ignore this for now. If your account reached 5000.00 you will have an option to have some of the money withdrawn to avoid taxes.

Section 4d: Alternative Payee. Fill this out if you want your dividends to go to someone other than yourself.

Section 4e: If you cant link a current checking account to this money market account, you will HAVE TO SEND 1000.00 to open the account . Cashiers (bank check) or personal check is the ONLY method of payment they accept. Thanks to John Ashcrofts god D***ed Patriot Act.

AND, forgot to mention. You can make depoits into this account at any Bank of America Branch in California Only (but NOT an opening deposit).

Section 5: if you want to have checks (obviosuly so) check the appropriate option. REMEMBER, Checks can ONLY be written for 500.00 and above.

Section 6: self explanitory

Section 7: self explanitory.

CAPITAL ONE MONEY MARKET ACCOUNT

URL: http://www.capitalone.com/investments/mm/i...WW_12514_XXX_...

Important Information:

-does not use chexsystems, credit check or telecheck

For anyone interested in savings (or only 6 withdrawals per month) you can apply for this account online. I called and they do not check credit, chex or telecheck. It is a money market account, you can get ATM (not check) card and you can also get checks. You can open with $100.00. FDIC insured to $100,000.00. Would be great if you have direct deposit, or just good for savings. Just go to capitalone.com and you will see area for savings and then applications.

-you can fund this account with a personal check or wire transfer..after you fill out the info, they will tell you instructions to wire

Q: What is a wire transfer?

A: A fast and secure way to fund your account is by sending a wire transfer. Please contact the financial institution that is currently holding your funds and instruct them to send a wire transfer to your new Capital One Savings account. At the end of the application process, we will supply you with the information you will need to make that request.

After filling out the application

1) Account number:

Please use your Confirmation Number ( your confirm number here )

2) Capital One ABA number:

056073502

3) Please advise the sending financial institution to include the following information under beneficiary: 56789

4) Please advise the sending financial institution to include the following information under special instructions:

For further credit to Capital One Confirmation Number ( your confirm number here )

ETRADE

URL: https://us.etrade.com/e/t/home/generalgen

Important Information:

The cash investment [brokerage] account does not run Chexsystems. It requires $1,000 minimum to open. If you apply for a margin [stock trading] or regular checking account, however, they will run a credit check.

**Account Options:

Free cash management tools including checking and bill pay

Complete view of all your accounts, all in one place

Advanced cash management tools including free checking, bill pay, and debit card

Five ATM fee refunds per month from any bank's ATM accounts

Move money fast to and from outside accounts with Quick Transfer

E*TRADE Complete security system with optional Digital Security ID4

Investment accounts are an options for saving. Because of possible withdrawal restrictions, they are not a substitute for a regular checking account. The Etrade account comes with a debit card, so it is a good "emergency funds" backup account.

ING DIRECT

URL:http://home.ingdirect.com

Email:

Dear Mary,

We use a variety of methods in verifying our new customers.

Most frequently, will will do a "soft" credit inquiry which does not reflect in any credit report.

If you have any further questions, give us a call 1-888-ING-0727. For your convenience, we are available from 7am-Midnight EST 7 days a week.

Thanks for your interest in ING DIRECT,

Brad

ING DIRECT

Member FDIC

Special Note:

Anyone with a savings account can get a checking account called Electric Orange ( everyone will be invited to get this account by March 1, 2007 )

For Surcharge-free ATMs ..go to http://www.allpointnetwork.com and see if there is one near you.

Transpotation Alliance Bank

URL: https://www.tabbank.com

Special Note

It has been reported that this bank does not use chexsystems and that ANYONE can get an account with them

Important Information:

STEP 1 â€“ Open An Account

To open an account with Transportation Alliance Bank, fill out an Application. Fill in the blanks, click the submit button, then print the page, sign it and mail or fax it to us so we can begin processing and opening your account. Once your account is open, you will have access to all of our bankâ€™s services, including FREE online banking, Online Bill Pay, 24-hour automated telephone banking, and Flying J discounts and rebates.

Note: We must have a signed application (by mail or fax) to open your account.

STEP 2 â€“ Fund Your Account

The BEST way to fund your account on a regular basis is by Direct Deposit of your paycheck. With Direct Deposit, youâ€™ll get Online Bill Pay for FREE.

+ Direct Deposit Request Use this form to notify your employer (or other source) to begin placing deposits in your new account automatically.

The FASTEST ways to get your account funded and started are found below:

+ Make deposits using 3rd Party Checks: ComCheck, T-Chek, EFS, TCH-Check, or even Western UnionÂ®. These are considered guaranteed funds and are available within an hour. They can be done 24 hours a day, 7 days a week by calling our customer service department.

+ You can send money from an external bank account by wire. You will have same-day access to your money.

+ You can request money from an external bank account by ACH transfer, which you must set up before hand. You will have access to funds within two business days. 90 days after opening your account you can apply for Transportation Alliance Bank Express ACH , which gives you access to transferred funds within one business day.

+ You can also buy a Flying J gift card at any Flying J and call our customer service department to deposit that money into your account.

+ Or you can just mail in a check (with a deposit slip).

Once your account is funded, you can view your account balance information or make transfers anytime online or via our customer service department. When you receive your card, just call to activate it and begin using it anywhere MasterCardÂ® is accepted. Cash can be withdrawn at any ATM where MasterCardÂ® is accepted, including over 160 Transportation Alliance Bank ATMs conveniently located in Flying J Travel Plazas nationwide.

STEP 3 â€“ Access Your Account

Setting up your Online Banking Account has never been so easy. Go to our homepage. On the Secure Login section in the top left corner of the page, you will see boxes for your User ID and Password. This is where you will enter that information, once you have set up your Online Banking Account. To set up your Online Banking Account click on the First Time User link below the User ID box. Then enter the requested information to verify your identity, and then choose a User ID and Password. Then use that User ID and Password to log into your account.

STEP 4 â€“ Order Checks

To order checks for your account, just call our customer service department at 800-355-3063. A customer service representative will order your checks for you. You can go to www.Harland.net to see the different styles of checks you can order. The cost of checks, which varies depending on the style, start as low as $10 for 150 checks. Delivery takes about two weeks.

Congratulations, You're Done!

With the above steps complete, you are ready to start enjoying the advantages of Transportation Alliance Bank. Should you need additional help, please call 1-866-TAB-BANK (1-866-822-2265).

Peoples Cash Solutions

URL: http://www.peoplescashsolutions.com

Email:

Thank you for your interest in Peoples Cash Solutions!!

We may or may not use one or all the ones you listed, BUT they have no effect on whether or not you are approved. You could be in one or in all of them & have bad credit & still be approved.

We require a minimum of a $25.00 account opening deposit (this is not a fee & all is deposited into your account), a clear copy of an unexpired government issued ID (drivers license) and a clear copy of your completed application. If you are considering applying - I would recommend mailing in ALL at once to the address provided for Peoples Bank.

I hope this helps!!

Thanks,

PCS

Special Note:

It has been reported that they use chexsystems but no one is turned down and you can get an account here regardless of where you live

Have you ever been denied a checking account before because of past problems with ChexSystems or TeleCheck? The Peoples Cash Solutions program is the answer for you, and it's FREE! We want to give you a chance to establish a banking relationship as the first step toward improving your credit record and to allow you to begin building and accumulating assets.

hegemony · January 9, 2008

bump

mca · January 9, 2008

yes that is my list but an old one, some of that info is no longer correct

mca · January 9, 2008

Here is a more current list that may help some

Here are some banks that will help those in ChexSystems, ANYONE can get these accounts, it does NOT matter where you live.

( very popular one right now )

Transpotation Alliance Bank

URL: https://www.tabbank.com

Special Note

It has been reported that this bank does not use chexsystems and that ANYONE can get an account with them

Email:

Mary, we have used Chexsystems in the past, but we are not using them at this time.

Thank you for your inquiry.

Debbie Charon

New Accounts Supervisor

Transportation Alliance Bank

(801) 624-4831

(800) 355-3063 EXT 4831

Important Information:

STEP 1 â€“ Open An Account

To open an account with Transportation Alliance Bank, fill out an Application. Fill in the blanks, click the submit button, then print the page, sign it and mail or fax it to us so we can begin processing and opening your account. Once your account is open, you will have access to all of our bankâ€™s services, including FREE online banking, Online Bill Pay, 24-hour automated telephone banking, and Flying J discounts and rebates.

Note: We must have a signed application (by mail or fax) to open your account.

STEP 2 â€“ Fund Your Account

****** you can fund your account with a credit or debit card , FOR INITIAL DEPOSIT ONLY *****

The BEST way to fund your account on a regular basis is by Direct Deposit of your paycheck. With Direct Deposit, youâ€™ll get Online Bill Pay for FREE.

+ Direct Deposit Request Use this form to notify your employer (or other source) to begin placing deposits in your new account automatically. https://tabbank.com/home/custserv/applicati...thorization.pdf

The FASTEST ways to get your account funded and started are found below:

+ Make deposits using 3rd Party Checks: ComCheck, T-Chek, EFS, TCH-Check, or even Western UnionÂ®. These are considered guaranteed funds and are available within an hour. They can be done 24 hours a day, 7 days a week by calling our customer service department.

+ You can send money from an external bank account by wire. You will have same-day access to your money.

+ You can request money from an external bank account by ACH transfer, which you must set up before hand. You will have access to funds within two business days. 90 days after opening your account you can apply for Transportation Alliance Bank Express ACH , which gives you access to transferred funds within one business day.

+ You can also buy a Flying J gift card at any Flying J and call our customer service department to deposit that money into your account.

+ Or you can just mail in a check (with a deposit slip).

Once your account is funded, you can view your account balance information or make transfers anytime online or via our customer service department. When you receive your card, just call to activate it and begin using it anywhere MasterCardÂ® is accepted. Cash can be withdrawn at any ATM where MasterCardÂ® is accepted, including over 160 Transportation Alliance Bank ATMs conveniently located in Flying J Travel Plazas nationwide.

STEP 3 â€“ Access Your Account

Setting up your Online Banking Account has never been so easy. Go to our homepage. On the Secure Login section in the top left corner of the page, you will see boxes for your User ID and Password. This is where you will enter that information, once you have set up your Online Banking Account. To set up your Online Banking Account click on the First Time User link below the User ID box. Then enter the requested information to verify your identity, and then choose a User ID and Password. Then use that User ID and Password to log into your account.

STEP 4 â€“ Order Checks

To order checks for your account, just call our customer service department at 800-355-3063. A customer service representative will order your checks for you. You can go to www.Harland.net to see the different styles of checks you can order. The cost of checks, which varies depending on the style, start as low as $10 for 150 checks. Delivery takes about two weeks.

Congratulations, You're Done!

With the above steps complete, you are ready to start enjoying the advantages of Transportation Alliance Bank. Should you need additional help, please call 1-866-TAB-BANK (1-866-822-2265).

Emails from people that were helped:

Worked out good...I got an account

I decided to give TAB Bank a try after reading about them on this site. I faxed an application Monday 11/26 about 3pm. I called them Tues about 11am to see if they received my fax and to my surprise the lady said they just sent a letter to me saying they couldn't verify my identity. I was prepared to hear "sorry we cant help you". To my surprise she put my on hold came back and said I need to ask you some questions. I answered about 5 multiple choice questions only I would know, after the last one she said .."OK we are all set. How would you like to fund your account".

I faxed my app. yesterday. Called today. Did my deposit over the phone and was given my account # and routing # over the phone and I just signed up for online banking my deposit is already in there. They said my card would be sent out tomorrow. This seems like a great bank to deal with!

Yes, was able to open a checking account at TAB bank..I live in Jacksonville, Florida..I am still looking for another one for a back up..I appreciate your help and dedication to helping people like myself. Thank you Mary...

Corey

Hey Mary,

I got great news!! I'm so excited, I just called Transportation alliance bank about my application I mailed last week because I hadn't heard anything...and to my amay, they opened the account on the 19th!! YEAH!!! I'm so excited, she said our cards were mailed on the 20th, so she said it could be a week before we get them, I'm so excited I'm jumping for joy!!!

Thank you so VERY much again, you are so the greatest!!

Sincerely,

Stephanie

hi thank you for your help.... I got one at transportation alliance bank.... tell everyone they except everyone. checking and savings.... yeahhhhhhhhhhhhhh

Thank you

Lynnette from IL

----------------------------------------------

(also a very popular one right now )

Peoples Cash Solutions

URL: http://www.peoplescashsolutions.com

Email:

Thank you for your interest in Peoples Cash Solutions!!

We may or may not use one or all the ones you listed, BUT they have no effect on whether or not you are approved. You could be in one or in all of them & have bad credit & still be approved.

We require a minimum of a $25.00 account opening deposit (this is not a fee & all is deposited into your account), a clear copy of an unexpired government issued ID (drivers license) and a clear copy of your completed application. If you are considering applying - I would recommend mailing in ALL at once to the address provided for Peoples Bank.

I hope this helps!!

Thanks,

PCS

Special Note:

It has been reported that they use chexsystems but no one is turned down and you can get an account here regardless of where you live

Have you ever been denied a checking account before because of past problems with ChexSystems or TeleCheck? The Peoples Cash Solutions program is the answer for you, and it's FREE! We want to give you a chance to establish a banking relationship as the first step toward improving your credit record and to allow you to begin building and accumulating assets.

------------------------------------------------------------

FSNB

URL: www.fsnb.com

Important Information:

They use a credit check..some people have been turned down due to credit but most are approved. They do not use chexsystems or Telecheck. Anyone can get an account with them regardless of location.

Special Notes:

You must call and request an application be mailed to you FSNB# (800) 749-4583 New Accounts

If you do not set up direct deposit, you will only get an ATM card for the first 4 months, ( then you need to call New accounts and request one ) If you set up direct deposit ( wait until the 2nd direct deposits hit the account ) call and ask them to send you a VISA debit card.

They also have a special added feature called Temporary Overdraft.

- no credit check -no applications - no forms to fill out - they give you an advance , up to your lowest of the last two deposits, for the $16 fee.

FSNB charges $1 fee for not using one of their ATM's, plus any 'foreign' ATM fee

------------------------------------------------------

EverBank

URL: www.everbank.com

Important Information:

It has been reported that they are very picky about the credit situation.

Email:

Dear Mary,

Thank you for your message. Your over all credit report is what we use for reviewing applications. Should you have any further questions, please feel free to contact our Customer Care Center 24 hours a day, 7 days a week toll-free at 888.882.EVER (3837) or if you prefer, email us at service@everbank.com.

Happy EverBanking!

Tracy Mimms,

Customer Care Specialist

Email #2

Dear Sir Or Madam,

Thank you for your message. For the application and approval process, Everbank does not contact

Chexsystems. Each application is subject to a credit review by our Risk department. To approve applications, Everbank runs a credit report to match the information provided to us and to see

if the credit score meets our requirements. Should you have any further questions, please feel free to contact our Customer Care Center 24-hours a day toll-free at 888.882.3837 or if you prefer, email us at service@everbank.com.

Email #3

Dear Mary,

We are not looking for a particular credit score we use the credit report for verification purposes since we have to be in compliance with the Patriot Act "knowing your customer" You can apply at www.everbank.com and once you have completed the application you can print the application and mail it in to us.

George Milonas

Happy Everbanking!

Deposit Making Information:

Direct Deposit For quick access to funds, set up the direct deposit of your paychecks and/or Social Security payments.

External Transfers Use their online External Transfers feature to move money between EverBank and non-EverBank financial accounts. It's secure, and can be done any time, day or night, in the EverOne Financial Center.

Bank-by-Mail Use one of your handy postage-paid Bank-By-Mail envelopes to mail your deposits.

Wiring Funds There is no fee to send a wire transfer to EverBank. ATM. Make a deposit at over 13,000 deposit-taking ATMs across the nation.

.

Other Important Information:

EverBank will even reimburse you for up to $6.00 a month in surcharges levied by ATM operators (simply use one of their convenient bank-by-mail envelopes to mail EverBank your ATM receipts within 90 days of the transaction)!

You'll also enjoy the security of Verified by Visa, a service that protects your Visa CheckCard with a personal password so that only you can use your card online

To locate an ATM near you go to web site and click link They have ATMS all over that take deposits

****They also have business accounts****

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BANK CAROLINE

URL: www.bankcaroline.com

email

We use telecheck and Equifax to check your credit history to see if you qualify for an account with Bank Caroline.

Sincerely,

Joe Schrum

Special Information:

-this is an internet bank

Bank CaroLine offers all the conveniences of on-line banking, plus something extra: me, CaroLine, your on-line banker.

Since I live on the Internet, I'm always just a click away, ready to assist you with all your banking needs. Together, we can open a checking account or CD, check your account balances, transfer funds and even pay your bills on-line. Believe me, banking has never been this simple and convenient!

Business Account Information:

Business Accounts

OnLine Business Checking

An ideal interest-bearing checking account for businesses with less than 150 monthly transactions.

Offered to Sole Proprietorships and Non-Profit Organizations

------------------------------------

ING DIRECT

URL:http://home.ingdirect.com

*** apparently this account is now based on credit, they are getting picky , you must be eligible for their overdraft protection with the checking account in order to get a checking with them ***

Email:

Dear Mary,

We use a variety of methods in verifying our new customers.

Most frequently, will will do a "soft" credit inquiry which does not reflect in any credit report.

If you have any further questions, give us a call 1-888-ING-0727. For your convenience, we are available from 7am-Midnight EST 7 days a week.

Thanks for your interest in ING DIRECT,

Brad

ING DIRECT

Member FDIC

Special Note:

Anyone with a savings account can get a checking account called Electric Orange ( everyone will be invited to get this account by March 1, 2007 )

For Surcharge-free ATMs ..go to http://www.allpointnetwork.com and see if there is one near you.

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USAA

URL: www.usaa.com

Membership Information:

USAA membership requirements appear to be either active duty military or less than 2 year separation. Also, if you are a dependent of a USAA member along with being a spouse and the other case appears to be a resident of Bexar County, TX - i.e. San Antonio then you can open up a banking account.

One can always contact USAA CSR directly in borderline cases. If you are eligible to get a USAA account then you should do so.

Special Notes:

USAA uses Tele check not chex systems. They are very nice and have the best customer service. Just call and explain that you need a membership number to open a checking account and it is as simple as that. If you have the 50.00 deposit you can give it to them with a credit card right over the phone, they will set you up at that same moment. The account shows up online in just 2 days. You will get your cards and checks in about a week.

Best thing is that they send you postage paid envelopes for deposits. There are cash back rebates on all purchases made as a credit. 10 ATMs a month are free and they even pay the fees 1.50 per ATM up to 15.00 a month that the other bank charges to you.

USAA BANKING NUMBERS

Banking Services 1-800-531-2265

(210-456-8000 in San Antonio)

Monday - Friday, 7:30 a.m. - 10 p.m. CT

Saturday, 8 a.m. - 6 p.m. CT

Sunday, 1 p.m. - 6 p.m. CT

USAA now uses EWS ( some have been denied )

--------------------------------

NAVY FEDERAL CREDIT UNION

URL: http://www.navyfcu.org

Important Information:

If you are eligible for membership you will get an account, They do not use chexsystems or Telecheck.

Membership Information:

Navy Federal's Field of Membership is determined by the National Credit Union Administration (NCUA). If you are in any of these categories, you are eligible to join.

All Department of the Navy (DON) Personnel - regardless of location or rank, including:

Active duty Navy and Marine Corps

Reservist, regardless of drilling status

Civilian employees

Retired or Annuitant

DON Contractors assigned to U.S. Government sites afloat or ashore.

DON Officer Candidate programs, NROTC, U.S. Naval Academy, U.S. Coast Guard Academy, U.S. Merchant Marine Academy.

U.S. Government - Military and civilian personnel employed by the U.S. Government assigned to, stationed at or working at a Navy installation, afloat or ashore.

Family - including:

Grandparents

Parents

Spouse

Siblings

Children (includes adopted, foster and step children)

Grandchildren

or if you have a family member who is already a member of NFCU, you're in. With no questions asked other than s.s. # and drivers license # (for security purposes only) and address. After the account is opened, you have a month to deposit $5 into savings to keep the account open.

Emails from those that got accounts at Navy

Hi Mary,

I was able to get an account with Navy Federal andthey were so nice. I was able to set it up right away.Once again, I can't thank you enough. Have a great NewYear!Josie

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TD WATERHOUSE BANK

Special Notes:

They will open the brokerage account without checking Chexsystems, but when you apply for the banking portion ( a checking account ), you will checked in chexsystems.