[NYfreeWomen]

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

[NYfreeWomen]

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

Im in NYC

[mca]

Are you looking for a business or a personal account?
Bank of America is one you may want to consider. Apply online only for business or personal. Depending on where you are in NY, there may be others aas well

[NYfreeWomen]

mca, on Jan 13 2009, 12:31 PM, said:

Are you looking for a business or a personal account?
Bank of America is one you may want to consider. Apply online only for business or personal. Depending on where you are in NY, there may be others aas well

I had BOA and they closed my account as well!
Im looking for abusiness account but would conside personal as well.

[NYfreeWomen]

mca, on Jan 13 2009, 12:31 PM, said:

Are you looking for a business or a personal account?
Bank of America is one you may want to consider. Apply online only for business or personal. Depending on where you are in NY, there may be others aas well

What do U say about Etrade Bank ???

[webworm98]

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

I am surprised they closed it after a year. Try either wood forest bank or U.S. bank they have second chance checking account. Wood forest you can get a debit card for an annual fee. U.S. bank you can only get restricted atm card that only works at their atms.

Make sure you tell them your in Chexsystems and you do not know why.

They need to give you time to move your money out before closing your accounts.

This post has been edited by webworm98: 13 January 2009 - 10:41 PM

[mca]

ETRADE uses chexsystems and will deny. WoodForest is an excellent choice but not for a business account. US bank will open for those with no fraud reported in certain " in store locations" They will open business accounts if no money is owed to a previous bank.



What is your zip code there NYfreewomen?

[NYfreeWomen]

webworm98, on Jan 13 2009, 10:40 PM, said:

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

I am surprised they closed it after a year. Try either wood forest bank or U.S. bank they have second chance checking account. Wood forest you can get a debit card for an annual fee. U.S. bank you can only get restricted atm card that only works at their atms.

Make sure you tell them your in Chexsystems and you do not know why.

They need to give you time to move your money out before closing your accounts.

There is no wood forest bank or U.S. in NYC :-(

[IndyPoolPlayer]

webworm98, on Jan 13 2009, 10:40 PM, said:

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

I am surprised they closed it after a year.

My guess is Wells Fargo is cleaning up after acquiring Wachovia and spotted the account with the account owner being in Chex.

[webworm98]

NYfreeWomen, on Jan 16 2009, 05:27 PM, said:

webworm98, on Jan 13 2009, 10:40 PM, said:

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

I am surprised they closed it after a year. Try either wood forest bank or U.S. bank they have second chance checking account. Wood forest you can get a debit card for an annual fee. U.S. bank you can only get restricted atm card that only works at their atms.

Make sure you tell them your in Chexsystems and you do not know why.

They need to give you time to move your money out before closing your accounts.

There is no wood forest bank or U.S. in NYC :-(

Check in Wal-mart, Some Wal-marts have banks in them-that have second chance checking accounts.

This post has been edited by webworm98: 16 January 2009 - 09:05 PM

[mca]

WoodForest does not offer business checking for those reported to chexsystems. Only personal accounts. I have emailed you NY.

[webworm98]

mca, on Jan 16 2009, 10:03 PM, said:

WoodForest does not offer business checking for those reported to chexsystems. Only personal accounts. I have emailed you NY.

I am really surprised they closed a "Business Checking account" I can see a Personal but not a Business. I wonder if wal-mart was reported to chexsystems would they close their account?

Let say you hire a director who is on Checksystem and then add them to your account, could the bank close your accounts? What if you business had out standing checks and payment do including taxes? That could cause problems. What if your business makes a lot of money?

They should at least give them 30 days, so all the funds will clear.

This post has been edited by webworm98: 16 January 2009 - 10:39 PM

[mca]

Most of the time if a bank closes an account they will freeze it and close it after 30 days, waiting to make sure everything has cleared. If the bank runs all signers on the account and you have someone on the account that has a chexsystems record, yes they might close it. It really depends on the bank

NYFREEWOMEN what is your zip code there?

[NYfreeWomen]

webworm98, on Jan 16 2009, 09:03 PM, said:

NYfreeWomen, on Jan 16 2009, 05:27 PM, said:

webworm98, on Jan 13 2009, 10:40 PM, said:

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

Im in NYC 10036 We don't have Wal-mart :-(
I also have some checks from customers and I have no idea what to do with them and where to deposit them!!


I am surprised they closed it after a year. Try either wood forest bank or U.S. bank they have second chance checking account. Wood forest you can get a debit card for an annual fee. U.S. bank you can only get restricted atm card that only works at their atms.

Make sure you tell them your in Chexsystems and you do not know why.

They need to give you time to move your money out before closing your accounts.

There is no wood forest bank or U.S. in NYC :-(

Check in Wal-mart, Some Wal-marts have banks in them-that have second chance checking accounts.

[mca]

Here is a credit union that offers both business accounts and personal. It is very easy to get an account with them..if you are not eligible for membership by work or where you live, just tell them that you worship in one of the areas, Trustco is also one that you may want to try


People's Alliance Federal credit union
http://pafcu.org

I asked if they use chexsystems, telecheck or a credit report and here is how they responded.

EMAIL:

We do not use any of these.

Updated email 11-09-08

We do not use anything.

Membership requirements:

People who live, work, worship, or attend school and businesses in the following

Aquebogue, Amityville, Bay Shore, Babylon, Bayport, Bellport, Brentwood, Blue Point, Bohemia, Brookhaven, Brooklyn, Calverton, Center Moriches, Centereach, Central Islip, Copiague, Coram, Deer Park, East Moriches, E. Patchogue, Eastport, Farmingville, Hampton Bays, Holtsville, Huntington, Huntington Station, Islip Terrace, Jamesport, Lake Grove, Lake Ronkonkoma, Lindenhurst, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Middle Island, Moriches, N. Babylon, Patchogue, Quogue, Ridge, Riverhead, Rocky Point, Ronkonkoma, Selden, Setauket, Shirley, Shoreham, Sound Beach, Southampton, Stony Brook, W. Babylon, Wyandanch, Yaphank.
Carle Place School District.
Brooklyn, New York which lies within Community Planning Districts #3, #8, or #9.

If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance Federal Credit Union (PAFCU).

locations:

125 Wireless Blvd.
Hauppauge, NY 11788

67 Hanson Place
Brooklyn, NY 11217

124 Atlantic Ave.
Brooklyn, NY 11201

69 Atlantic Ave.
Brooklyn, NY 11201

Delta Cargo Bldg #67
Room 2241
Jamaica, NY 11430


The Greater Allen Cathedral of New York
110-31 Merrick Blvd.
Jamaica, NY 11433

3125 Veterans Memorial Hwy.
Ronkonkoma, NY 11779


1600 Stewart Ave.
Suite #101
Westbury, NY 11590

132 Tuckahoe Road
Yonkers, NY 10710

This post has been edited by mca: 02 February 2009 - 06:43 AM

[YungAndNew]

can someone provide the website for wood forest bank? also will they do a hard pull or chexsystem? thanks

[mca]

WOODFOREST BANK
http://woodforest.com

Email:

Before you can open an account with Woodforest National Bank we do run Telecheck and Chexsystems. If you have any unpaid closures reported by a merchant or another financial institution on either one of these reports you will only qualify for our Second Chance Checking account. You will be able to open an account with us as long as we are able to properly verify your identity and you do not have an unpaid charged off account with Woodforest National Bank.

Additional information

2nd Chance account is $7.95 if you have direct deposit
$9.95 if you do not.

A $9 dollar account opening fee which is take from the account and a $12 dollar one time annual debit card fee is taken out so bring at least $22 (a dollar to open the account, when the promotion is over it's $25 to open per account) However, in 6 months or less, the branch determines if you can move to a regular account or open a savings in addition to the second chance account, regular accounts, you can open immediately!

(complimentary overdraft) requiring no credit will kick in after 30 days. It is $500 for direct deposit or $300 without it.

ALSO! Phone and Online banking are immediate overnight and they're open 7 days!

To see what others are saying about this bank and more be sure to join my forum www.chexvictims.net

-you must apply in person for this account

[NYfreeWomen]

mca, on Feb 2 2009, 06:41 AM, said:

Here is a credit union that offers both business accounts and personal. It is very easy to get an account with them..if you are not eligible for membership by work or where you live, just tell them that you worship in one of the areas, Trustco is also one that you may want to try


People's Alliance Federal credit union
http://pafcu.org

I asked if they use chexsystems, telecheck or a credit report and here is how they responded.

EMAIL:

We do not use any of these.

Updated email 11-09-08

We do not use anything.

Membership requirements:

People who live, work, worship, or attend school and businesses in the following

Aquebogue, Amityville, Bay Shore, Babylon, Bayport, Bellport, Brentwood, Blue Point, Bohemia, Brookhaven, Brooklyn, Calverton, Center Moriches, Centereach, Central Islip, Copiague, Coram, Deer Park, East Moriches, E. Patchogue, Eastport, Farmingville, Hampton Bays, Holtsville, Huntington, Huntington Station, Islip Terrace, Jamesport, Lake Grove, Lake Ronkonkoma, Lindenhurst, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Middle Island, Moriches, N. Babylon, Patchogue, Quogue, Ridge, Riverhead, Rocky Point, Ronkonkoma, Selden, Setauket, Shirley, Shoreham, Sound Beach, Southampton, Stony Brook, W. Babylon, Wyandanch, Yaphank.
Carle Place School District.
Brooklyn, New York which lies within Community Planning Districts #3, #8, or #9.

If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance Federal Credit Union (PAFCU).

locations:

125 Wireless Blvd.
Hauppauge, NY 11788

67 Hanson Place
Brooklyn, NY 11217

124 Atlantic Ave.
Brooklyn, NY 11201

69 Atlantic Ave.
Brooklyn, NY 11201

Delta Cargo Bldg #67
Room 2241
Jamaica, NY 11430


The Greater Allen Cathedral of New York
110-31 Merrick Blvd.
Jamaica, NY 11433

3125 Veterans Memorial Hwy.
Ronkonkoma, NY 11779


1600 Stewart Ave.
Suite #101
Westbury, NY 11590

132 Tuckahoe Road
Yonkers, NY 10710

I dont think Im eligible to that. Im not in Brooklyn. Im in Manhattan and my home business is also in Manhattan :-(

[RJG]

Does anyone know if these are still the requirements for http://pafcu.org ? I want to apply but want to make sure this info is current first.

[mca]

Hi RJG,
if you are eligible for membership at People's Alliance, it is definitely a good one. They do not use anything and I have been told by many that it is very easy to get an account. Here are the requirements for membership. In Florida, they do also offer membership there but it is much stricter. Are you in New York?

People who live, work, worship, or attend school and businesses in the following

Aquebogue, Amityville, Bay Shore, Babylon, Bayport, Bellport, Brentwood, Blue Point, Bohemia, Brookhaven, Brooklyn, Calverton, Center Moriches, Centereach, Central Islip, Copiague, Coram, Deer Park, East Moriches, E. Patchogue, Eastport, Farmingville, Hampton Bays, Holtsville, Huntington, Huntington Station, Islip Terrace, Jamesport, Lake Grove, Lake Ronkonkoma, Lindenhurst, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Middle Island, Moriches, N. Babylon, Patchogue, Quogue, Ridge, Riverhead, Rocky Point, Ronkonkoma, Selden, Setauket, Shirley, Shoreham, Sound Beach, Southampton, Stony Brook, W. Babylon, Wyandanch, Yaphank.

Carle Place School District.

Brooklyn, New York which lies within Community Planning Districts #3, #8, or #9.

If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance Federal Credit Union (PAFCU).

[Canthonymve]

I Recently had a business account closed with a negative balance and its reporting to chexsystems for me personally what can i do?

[adamellers]

try tab bank, they worked for me.

[mca]

TAB is now using chexsystems and they are also closing accounts when they find out that the person on the account is reported to chexsystems. It has been a BIG problem recently so I definitely would NOT apply at TAB.

If you have been reported to chexsystems, there are several options that you have:
1. wait out the 5 years and it will fall off
2. find a non-chexsystems banks
3. attempt to dispute for removal www.chexsystemsdisputes.com

[Canthonymve]

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

Was it business accounts that Wachovia and Bank Of America closed?

The negative balance with Chase was it business or personal?

[NYfreeWomen]

Canthonymve, on Nov 7 2009, 05:47 AM, said:

NYfreeWomen, on Jan 13 2009, 12:14 PM, said:

Wachovia bank closed my account because that I had negative balance with Chase a year ago!!
Just today Im learning about Chexaystelm!!
What should I do?
I have a business accout! Nedd to get a bank account!!!
Im crying and sad

Was it business accounts that Wachovia and Bank Of America closed?

The negative balance with Chase was it business or personal?

The negative balance of $189 was with BOA. Wachovia closed my account because of that. I never knew about it until Wachovia closed my account!
It was a business account.
I can't open a business account with any bank in NY because of BOA.
I have a clean personal ChexSy report.

Im going to close my business and open a new one with a new Tax Id and everything!