Chexsystems

[tophie]

I went to a local bank here in Tulsa, Oklahoma to open an account for the LLC. A customer told us about this bank and I said sure why not.

 

The lady opening the account filled everything out. Then she runs Chex. She comes back and tells me she can't open the account because I have four entires on Chexsystems from four years ago. (I'm aware they will fall off soon). I asked her if a letter from the bank showing it was paid would suffice and she said no. She said I could not get an account there until these items fall off. She then went on to say you must have debt at a bank for the business. I laughed because the LLC was opened in October and we have no debt for the LLC owed to any bank.

 

I was nice to her... but what made me even more mad was the fact that she owns the bank. She did not even know what Check 21 was. I explained to her that I own my business and I wanted to bank with them because of their location. I was sent out the door.

 

Chexsystems shows four entries from Bank of America. All are the same account number, one is fraud, another is account abuse, nsf activity etc. Then the other is a secured credit card that I defaulted on... and they charged off something on the savings account.

 

I just wanted to share my experience with everyone. I hate Chexsystems. I kinda miss Chexvictims.com

[lovecreditcrunch]

Some of the following banks will only open an account for you if one year has passed since your last delinquency. In this case, it is best to speak with a branch manager.

 

Alabama

ABC Bancorp

Colonial Bank

Compass Bank

SouthTrust Bank

SouthFirst Bancshares

 

Alaska

Alaska Pacific Bank

 

Arkansas

BOK Financial

Union Planters Bank

 

Arizona

Arizona Federal Credit Union

Armed Forces Bank

Compass Bank

DM Federal Credit Union

California

Armed Forces Bank

Broadway Federal Bank

Family 1 Credit Union: 714-577-8454

First Entertainment Federal Credit Union

Fort Sill National Bank

Six Rivers National Bank

Summit National Bank

Union Bank of California - No ChexSystems, but they do run your credit if you want a check card.

Wescom Credit Union

 

Colorado

Armed Forces Bank

Adams Bank & Trust

Community First National Bank

Compass Bank

Equitable Savings & Loan

First National Bank

First United Bank

TCF Bank

University of Colorado Federal Credit Union

Valley Bank and Trust

Connecticut

RBC Centura

Savings Institute

Southington Savings

Valley Bank: (860) 582-8868

 

Delaware

Fort Sill National Bank

 

Florida

ABC Bancorp

Bank United

CityNational Bank

Colonial Bank

Compass Bank

Fidelity Federal

Florida State Employees Federal Credit Union: 850-474-1400

GTE Federal Credit Union

Marketplace Bank

Members First Credit Union

Peoples Credit Union

Provident Bank

Raymond James Bank

RBC Centura

Union Planters Bank

United Bank

Wachovia Corporation

1st National Bank

Georgia

ABC Bancorp

Colonial Bank

Columbus Bank & Trust

Excel Federal Credit Union

RBC Centura

Savannah Bank>

SouthTrust Bank

Summit National Bank

Wachovia Corporation

 

Hawaii

HomeStreet Bank

Idaho

HomeStreet Bank

 

Illinois

Armed Forces Bank

Catlin Bank

Hawthorn Bank

Hebron State Bank (815) 648-2481

Mid-Town Bank

TCF National Bank

Union Planters Bank

Iowa

Farmers and Merchants Bank & Trust

Union Planters Bank

 

Kansas

Armed Forces Bank

Metcalf Bank: (913) 648-4540

 

Kentucky

Armed Forces Bank

Provident Bank

River City Bank (502) 454-7900

Union Planters Bank

 

Louisiana

Home Savings Bank: (318) 237-1960

Tri State Bank: 318-861-6184

Union Planters Bank

Whitney National Bank: (225) 381-0840

 

Maine

Bank Of New Hampshire

 

Maryland

Armed Forces Bank

Equitable Federal Savings

Susquehanna Bancshares

 

Massachusetts

Bank Of New Hampshire

 

Michigan

Sky Bank

South Trust

TCF Bank

 

Minnesota

Adrian State Bank

Marquette Bank

Norwest Bank

TCF National Bank

 

Mississippi

First Tennessee National Bank

Trustmark National

Missouri

Armed Forces Bank

Allegiant Bank

Team Financial

 

Nebraska

Adams Bank & Trust

Team Financial

Unibanco

 

Nevada

Armed Forces Bank

Colonial Bank

First Entertainment Federal Credit Union

Nevada State Bank

 

New Jersey

Armed Forces Bank

Susquehanna Bancshares

 

New Hampshire

Bank Of New Hampshire

 

New Mexico

lamogordo Federal

BOK Financial

Commerce Bank

Compass Bank

New Mexico Educator's Credit Union

 

New York

Abacus Federal (212) 285-4770

Allied Irish Bank (212) 339-8000

Alternatives Federal Credit Union

Bank Of New Hampshire

Bank of New York

Columbia-Barnard Federal Credit Union

Community Bank (716) 532-3363

Cross County Federal Savings Bank

First Entertainment Federal Credit Union

Great Eastern Bank

Homestead Savings: (315) 797-1350

Ticonderoga Federal Credit Union

Tompkins County Trust Company

United Orient Bank (212) 349-1100

 

North Carolina

Allegheny First Bank

Capital Bank

First Citizen's Bank

Fort Sill National Bank

NBC Bank

RBC Centura

SouthTrust Bank

Wachovia Corporation

 

Ohio

Apple Creek Banking Company

Advance Financial Savings

First National Bank

Franklin Savings

Sky Bank - If you are not successful through the website, call the Ashtabula, OH branch at (440) 998-1400.

 

Oklahoma

BOK Financial

City National Bank (580) 355-3580

Exchange National Bank (405) 794-5511

First National Bank

Fort Sill National Bank

Stillwater National Bank & Trust

 

Oregon

HomeStreet Bank

 

Pennsylvania

Allfirst Bank

Allegheny Valley Bank of Pittsburgh

Dollar Bank

Firstrust Bank

Sky Bank

Susquehanna Bancshare

 

South Carolina

Carolina First

First Federal of Charleston

Fort Sill National Bank

RBC Centura

SouthTrust Bank

Wachovia Corporation

 

Tennessee

Colonial Bank

First Tennessee National Bank

RBC Centura

SouthTrust Bank

Trustmark National

Union Planters Ban

 

Texas

Abrams Centre National Bank

Armed Forces Bank

Bank Of Houston: (713) 529-4881

BOK Financial

Chase Bank of Texas

Colonial Bank

Compass Bank

First Convenience Bank

First National Bank of Texas

Fort Sill National Bank

Frost Bank

MetroBank

National American Bank

Southwest Bank of Texas

SouthTrust Bank

TexasBank

Union Planters Bank

USAA Federal Savings

Woodcreek Bank

 

Utah

Alliance Credit Union

Alpine Credit Union

Davis Credit Union

Garfield Credit Union (801) 968-9911

Grantsville Federal Credit Union: 435-884-3804

Jordan Credit Union

Mountain America Credit Union - Weber, Davis, Utah, Sevier, Iron, Washington, and Salt Lake Counties

Southern Utah Federal Credit Union - Beaver County, Iron County and Washington County

The Associates Capital Bank (435) 628-3695

The Bank of Ephraim (435) 283-4621

The Metro West Credit Union (801) 532-1375 - Salt Lake County

The Trans West Credit Union (801) 572-6003

 

Vermont

Bank Of New Hampshire

 

Virginia

Acacia Federal Savings

Albemarle First Bank

Armed Forces Bank

Acacia Federal Savings Bank

RBC Centura|

SouthTrust Bank

Wachovia Corporatio

 

Washington

Armed Forces Bank

Cowlitz Bank (360) 423-9800

First Mutual

Harborstone Credit Union - Pierce County and Thurston County

HomeStreet Bank

Qualstar Credit Union

Seattle Telco Federal Credit Union

Timberland Bank

Washington Credit Union

State National Bank 509-789-4335

 

Washington, D.C.

Adams National Bank

 

West Virginia

Advance Financial Savings

First Citizen's Bank

Sky Bank

 

Wisconsin

Norwest Bank

Abbotsford State Bank

TCF Bank

 

Canadian Banks

Another option is opening U.S. Dollar checking account at a Canadian bank that operates within the United States. For example, many people open accounts in Canada before moving there, so it is a fairly common process. You will need a valid U.S. driver's license, state identification card, or a passport. Canadian Banks that will open accounts to U.S. residents are:

Bank of Montreal

Canada Trust

Canadian Imperial Bank of Commerce

Royal Bank of Canada

Scotia Bank

 

Link removed by admin. Must be approved before posting. Ask for permission first please.

[tophie]

Whoa! Did you get that from MCA?

 

BOK is a total no no. My oldest deliquency is almost five years old.

[lovecreditcrunch]

Whoa! Did you get that from MCA?

 

BOK is a total no no. My oldest deliquency is almost five years old.

 

It's pinned in the credit forum, yes MCA I just pasted it.

 

Actually she says there is a better list.

[lovecreditcrunch]

Whoa! Did you get that from MCA?

 

BOK is a total no no. My oldest deliquency is almost five years old.

 

Sound like you new you should not have tried to open a checking account, if you know about MCA then what are you asking.

 

I didn't know about mca. but I'm not in chex either

[tophie]

I used to belong to Chexvictims.com until it went down. MCA and I posted quit a bit back in the day.

 

I am going to write the lady and letter and let her know that I came there because I thought they made local decisions and were different from all the other banks. make her feel a lil bit guilty. Then drop the name of a friend of mine who has millions with them.

[mca]

What part of Oklahoma are you in ?

[lovecreditcrunch]

Hi MCA

 

I posted your list from the pinned forum, I didn't realize you had a website and all that or I would of given you credit. I haven't read that thread before and was only trying to share the info.

 

I know some of my tenants are in CHEX, I'll tell them about it.

[mca]

Tophie,

 

I am sorry I just realized what you had said...there is a new location there ( Tulsa ) for the bank listed below. I am kinda shocked that the bank you went to would run your name through chexsystems and not the name of the business. many banks only run the corp or the LLC now. This is an excellent choice ..many of the banks on the list that was posted above are no longer chex-friendly

 

 

CITY NATIONAL BANK AND TRUST

http://cnbok.com

 

Does not use chexsystems or telecheck

-has 17 locations statewide.

-must visit a branch with proper ID to get an account.

To open an account with City National Bank and Trust you must appear in person at a branch with proper ID. Our branch locations are listed on the website. Thank you for your interest and please let us know if you have any other questions.

Joshua Cossette

 

I asked if they use chexsystems, telecheck, or a credit report..here was the reply

email:

Thank you for your Email. City National Bank does not use any of the listed verification systems for opening accounts. If you have any questions, you may contact us at (580)355-3580 or 1-866-385-3444.

Have a blessed day,

Joe Williams

CityNet (Internet Banking Dept.)

City National Bank

P.O. Box 2009

Lawton, Oklahoma, 73502

(580) 355-3580

 

-they have business accounts

[tophie]

I have accounts at City National but it's the conveyence I want.

 

City National is a great bank though.

 

I'm going to try Chase next. I just faxed them the signature cards.

[tophie]

I also tried at Arvest today. No way. Western Sun Credit Union gave me an account though.

[Alivecomic]

Sorry to hear it; that does NOT sound like a fun experience.

 

I'm told that in Minnesota, Highland Bank may be able to open an account, and KleinBank may be able to open an account, depending on why you're on Chex and the amount of time that has passed.

 

 

Best of luck to you!

[nacho]

What happened to chexvictims.com? That was a good site.

[tophie]

I think the guy went crazy and got paranoid and took it off line. I offered to buy the site from him, he claimed it was a database but we know thats not the case. It's a shame because that site was so awesome.

[wishing4betterdayz]

chase bought out bank of new york.. and they will not do it either .. have an employee going through this now...

[mca]

tophie,

You can not imagine how devistated I was. The admin was a friend to me, much more than just someone that owned the board. He had sent my son gifts in the recent months before he closed the board.

 

I will tell you this much, he claimed to me that he did not have time and it was for personal reasons. I believe otherwise after looking into the situation more so. From what I can tell, I may be wrong but I don't believe I am, he was using it as a data base as you just said. However he did not advertise the site and he has a lot of security involved in it so it was not that easy to find. Most people searching chexsystems would never find chexvictims. it is my belief from the connections that I was able to make that he was then taking the info off the board and selling it on various other sites that he DID advertise. Of course these sites were easy to find. Months before the board was removed, the traffic had increased heavily from the things that I had been doing to get the " word out " about Chexvictims. I believe Chexvictims was actually giving his other sites too much competition.

 

I cried and cried over the situation and for months I stopped helping people completely. He refused to give me the information from the board, even though in this blog he wrote back in Feb, he says he knows the moderators ran the site. One of the other moderators there was very upset that she could not recover any of her information there as well. And I was also told by other forum owners that he did not have to spend the money he is claiming in this blog as well.

 

If he was to bring it back, I would NOT participate on it ever again. At one point before he finally took it down, he wanted me to start from scratch and make an entire new board. I thought he was crazy after the time I had spent on the board when he converted it the time before that to a new server and community. I refused, and the board fell apart, then he closed it. From what he has told me, he will not be putting it back up ever. He had told me that years before I was on the board that it was there and did okay but once I was there is when it finally really took off and became as popular as it was.

 

http://chexvictims.blogspot.com/2007/02/ch...-to-public.html

[nacho]

Wow, it's incredible he would just take down the board entirely, that board had a ton of useful information and obviously reflected the hard work and efforts of a lot of people. Very selish act.

[star007]

Tophie,

 

I am sorry I just realized what you had said...there is a new location there ( Tulsa ) for the bank listed below. I am kinda shocked that the bank you went to would run your name through chexsystems and not the name of the business. many banks only run the corp or the LLC now. This is an excellent choice ..many of the banks on the list that was posted above are no longer chex-friendly

 

 

CITY NATIONAL BANK AND TRUST

http://cnbok.com

 

Does not use chexsystems or telecheck

-has 17 locations statewide.

-must visit a branch with proper ID to get an account.

To open an account with City National Bank and Trust you must appear in person at a branch with proper ID. Our branch locations are listed on the website. Thank you for your interest and please let us know if you have any other questions.

Joshua Cossette

 

I asked if they use chexsystems, telecheck, or a credit report..here was the reply

email:

Thank you for your Email. City National Bank does not use any of the listed verification systems for opening accounts. If you have any questions, you may contact us at (580)355-3580 or 1-866-385-3444.

Have a blessed day,

Joe Williams

CityNet (Internet Banking Dept.)

City National Bank

P.O. Box 2009

Lawton, Oklahoma, 73502

(580) 355-3580

 

-they have business accounts

 

2011 City National Uses chex I was just denied do to Chex,. I have a 5 year entry from BofA and they still refused

[douginsea]

chexvictims is still around..

 

www.chexvictims.net

 

and MCA is still the MOD.