 US BANK and ChexSystems |
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 Dec 20 2008, 03:09 PM
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#1
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Group: Members
Posts: 215 Joined: 28-October 08 Member No.: 84,535  |
I read today that if you open a checking account in a "in store" (like in safeway or albetson's) that they will not care about you being in ChexSystems.
Anyone know if this is currently correct?  z
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| Googie |
Dec 20 2008, 03:09 PM
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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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Dec 20 2008, 06:33 PM
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#2
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
There are some " in store " locations that allow those reported to chxsystems to open accounts. There are even some that have signs stating so. CA seems to have the most. Where do you live?
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Dec 20 2008, 06:40 PM
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#3
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Group: Members
Posts: 215 Joined: 28-October 08 Member No.: 84,535 |
In seattle, I found one in an Albertson's a few blocks from me.
I have a NSF from BoA on my chexsystems from 05, that is it. z
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Dec 20 2008, 07:22 PM
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#4
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
I would definitely give them a try. Might be worth calling first and talking to the branch manager there before you go in. Tell them your situation and tell them that you have heard that they might be able to help you. Most of the time I suggest 1st Security Bank in WA for those reported to chexsystems. They do not use chexsystems, they only use Telecheck.
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Dec 20 2008, 10:45 PM
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#5
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Group: Members
Posts: 215 Joined: 28-October 08 Member No.: 84,535 |
how do i find out if im in telecheck, I checked out the site but couldnt find any info.
z
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Dec 21 2008, 07:06 PM
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#6
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
Declined Check Information for Check Writers
1-800-366-2425 Free annual file disclosure pursuant to the Fair Credit Reporting Act 1-800-TELECHECK Returned Check Collection 1-800-366-2425 Headquarters TeleCheck Services, Inc. 5251 Westheimer Houston, Texas 77056 |
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Dec 24 2008, 06:02 AM
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#7
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Group: Members
Posts: 4,216 Joined: 12-October 07 Member No.: 60,335 |
I believe that their are two types of " offenses " entered into Chex: one is considered far worse than the other. I don't understand the distinction, but the worse of the two is categorized as " account abuse ".
I believe US Bank has forgiven the lesser of the two offenses in certain situations, but mca might know the industry terms for each of them. They also have some sort of a cut off related to the amount reported. If it is over XXX dollars they can't override it. I don't recall the specifics, but this might help your search. |
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Jan 20 2009, 04:33 PM
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#8
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Group: Members
Posts: 12 Joined: 11-April 07 Member No.: 48,076 |
QUOTE (BubbaGump @ Dec 24 2008, 07:02 AM)  I believe that their are two types of " offenses " entered into Chex: one is considered far worse than the other. I don't understand the distinction, but the worse of the two is categorized as " account abuse ". I believe US Bank has forgiven the lesser of the two offenses in certain situations, but mca might know the industry terms for each of them. They also have some sort of a cut off related to the amount reported. If it is over XXX dollars they can't override it. I don't recall the specifics, but this might help your search. I just got a checking account at a US Bank location inside of Vons in Mira Loma, CA. 50.00 minimum to start & Chexsystems must not show "account abuse" or "Fraud". It was quick and painless-thanks to everyone! |
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Jan 21 2009, 12:12 PM
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#9
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
there is a list of US bank locations that have worked for some on my site at www.chexvictims.net
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