 US BANK, will approve at some branches |
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 Sep 30 2009, 01:16 AM
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#26
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Group: Members
Posts: 90 Joined: 2-December 08 Member No.: 86,577  |
Just opened an account at US Bank today in Tempe, AZ free standing branch. I previously had a couple Chex entries and got all but one removed with a simple not mine dispute and called US Bank today asking if I could open an account with a NSF chex entry from 2 years ago and they told me to come in. Sure thing new account no problem. US Bank seems to be good to go!
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| Googie |
Sep 30 2009, 01:16 AM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Sep 30 2009, 11:01 PM
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#27
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
US bank has help so so many on chexsystems
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Oct 7 2009, 06:07 PM
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#28
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Group: Newbies
Posts: 4 Joined: 7-October 09 Member No.: 100,011 |
Question:
I had was reported to chex systems by Wamu in 2006. So I went to every bank I could think of under the sun and couldn't get an account opened. In 2007 a Wamu manager opened an account for me. 1 week later it was frozen (I figured this out while trying to pay for dinner at a resturaunt). Anyways called her and she re-opened it. I havent had an issue with them since and have never over-withdrawn my account. Well about 8 months ago I was informed that Wamu was changing to Chase. So I was a little frightened that they might close my account so I went to US Bank after reading about them and their forgiveness towards people on chex systems. I just opened the account with $100. I took $80 thinking ahh, Ill never touch the $20 in there. I fist wanted to see if the would freeze it like wamu did to me. Well one day I was out of town and my atm card wouldn't work at a gas station (wouldnt read, old card). So I used my US bank card and filled up my tank. I completely forgot about taking the $80 out as it had been a few months. So my account was over withdrawn for by $45 plus the I wanna say $35 NSF. Well I disregarded the letters I got from the bank thinking they were just account statements and well needless to say the account was closed. So about 2 months later, I went in to the branch one day to order checks (I thought Id start using the account now) and was informed of the closed account. I then paid the balanced owed to them. I couldn't talk to the about re-opening the account then as the manager was out to lunch. I never went back and never re-opened it. Now Im kinda thinking "shoot" I should see as the complete wamu/ chase transformation is happening in the next few weeks. Do you think US Bank would take me back? |
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Oct 7 2009, 11:51 PM
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#29
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
Did you owe US bank money when the account was closed or did you pay the debt?
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Oct 8 2009, 11:03 AM
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#30
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Group: Newbies
Posts: 4 Joined: 7-October 09 Member No.: 100,011 |
QUOTE (mca @ Oct 7 2009, 11:51 PM)  Did you owe US bank money when the account was closed or did you pay the debt? Yes. I ended up owing about $200 after are the negative balance fees. However I paid it off within 2-3 weeks after the account was closed. |
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Oct 8 2009, 01:03 PM
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#31
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Group: Members
Posts: 59 Joined: 31-July 09 From: CALIFORNIA Member No.: 97,607 |
They should reopen it for you since you don't owe them any money.
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Oct 8 2009, 08:22 PM
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#32
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
I would guess that yes they will re-open it, maybe talk to a manager in advance before going in, explaining your situation etc. If they reported any kind of fraud to chexsystems, there is a chance they would not re-open it
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Nov 6 2009, 01:26 PM
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#33
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Group: Members
Posts: 521 Joined: 20-August 07 From: New York Member No.: 56,954 |
QUOTE (PCwrecker @ Mar 23 2008, 11:57 AM) Hi all.. My first post here..I have 2 NSF on Chex from 3 years ago. My buddy and I were driving by a US Bank about a month ago. Went in..Walked out with a free business checking account for my sole prop. Since then I have opened three other accounts (savings and joint with my wife). So it can be done... Good luck Im looking for a Business account as well.My business is on ChexSystem! $126 with BOA and I was refused to open an account in many bans. HELP where can I get US bank? im in NYC but wiling to drive anywhere to opne an account Sep 2009 EQ -575 EX- 550 TU 619
Positive: Crown J. ----- $2,500 Orchard----$500 HSBC --- $300 BOA --- $500 (secured) |
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Nov 7 2009, 02:48 AM
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#34
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
you might need to get a new LLC and a new EIN
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Nov 8 2009, 10:20 PM
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#35
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Group: Members
Posts: 521 Joined: 20-August 07 From: New York Member No.: 56,954 |
QUOTE (mca @ Nov 7 2009, 02:48 AM) you might need to get a new LLC and a new EIN I was thinking about it. If I do the bank know thatmy privious company was in Chex? My personal report is clean its only the company one.. Sep 2009 EQ -575 EX- 550 TU 619
Positive: Crown J. ----- $2,500 Orchard----$500 HSBC --- $300 BOA --- $500 (secured) |
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Nov 8 2009, 10:28 PM
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#36
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Group: Members
Posts: 499 Joined: 8-May 09 From: Buckeye Country Member No.: 94,336 |
wouldn't your business chex report be different for your new company?
FICO (Not pulling until new year!) EX - ??? (VANTAGE) EQ - ??? TU - ??? ---- Tradelines None yet still in BK13 :( |
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Nov 9 2009, 09:48 PM
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#37
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Group: Members
Posts: 521 Joined: 20-August 07 From: New York Member No.: 56,954 |
QUOTE (higher180 @ Nov 8 2009, 10:28 PM) wouldn't your business chex report be different for your new company? I guess cause its with a diffrent Tax Id num. Sep 2009 EQ -575 EX- 550 TU 619
Positive: Crown J. ----- $2,500 Orchard----$500 HSBC --- $300 BOA --- $500 (secured) |
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