 BOA My Access Checking |
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 Apr 17 2009, 07:29 AM
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#1
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Group: Members
Posts: 185 Joined: 3-April 05 Member No.: 15,281  |
I was approved online for this account and I have 3 unpaid entries on chex
They said ill receive an email shorty with my account info/online access...so I am still catiously optimistic... just incase they manually review this. Also, they have the option with funding with a debit card which is nice. If this goes through... I will now have BOA and SunTrust with an ugly chex file... suntrust was also an online app.. just a heads up to those trying to get approved somewhere |
  
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| Googie |
Apr 17 2009, 07:29 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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Apr 21 2009, 09:42 PM
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#2
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Group: Members
Posts: 220 Joined: 19-April 08 From: PA Member No.: 73,447 |
It should go through for you. It worked for me.
 3/15/09 - 545
4/07/09 - 571 5/19/09 - 623 Crown Jewelers $2500 AMEX (AU) $10K Orchard $300 |
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Apr 22 2009, 08:55 AM
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#3
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Group: Members
Posts: 185 Joined: 3-April 05 Member No.: 15,281 |
it did...but im still a little nervous, according to mca's site... BOA has been openeing and closing a lot of these
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Apr 22 2009, 10:25 AM
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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 have had over 30 people indicate to me that they have had accounts that were closed. We believe EWS is the causing factor even though some are being told they are closing due to chexsystems
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Apr 22 2009, 07:04 PM
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#5
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Group: Members
Posts: 185 Joined: 3-April 05 Member No.: 15,281 |
mca, any word how long after the account is open that BOA is coming around and closing them?
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Apr 22 2009, 11:03 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 |
no not really..so far it varies. some are rigth away, others are months, a year and one was even almsot 2 years old
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Apr 23 2009, 01:13 AM
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#7
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Group: Members
Posts: 90 Joined: 2-December 08 Member No.: 86,577 |
Mine was closed ASAP, never even showed up online (I have a BOA Credit Card)
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May 3 2009, 12:41 AM
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#8
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Group: Members
Posts: 1,029 Joined: 9-March 05 Member No.: 14,229 |
Any update?
9/21/06 FICO TU 630 EQ 579 EX 616
4/05 New Millenium VISA $400 (Secured) 4/05 New Millenium MC $400 (Secured) 5/05 BofA US Airways VISA $500 (Partially Secured) 4/06 Merrick Hooters $5K 5/06 New Home Mortgage $570K (PAID OFF) 5/06 Walmart $230 5/06 Dillards $150 9/06 Macy's $600 -> $1400 9/06 Bloomingdales $1k -> $1200 8/06 Joined USAA (No CC Products yet) 12/06 Joined JFCU (Primary Checking Acct, No CC Products yet) 1/08 Joined NFCU (No CC Products yet) 2/08 Citi Diamond $25k (AU) |
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May 3 2009, 12:19 PM
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#9
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Group: Members
Posts: 185 Joined: 3-April 05 Member No.: 15,281 |
still open, and debit card arrived last week
This post has been edited by Napoleon23: May 3 2009, 12:20 PM |
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Jun 13 2009, 08:01 AM
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#10
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Group: Members
Posts: 429 Joined: 13-October 05 Member No.: 23,137 |
I had mine for 1 1/2 to 2yrs. have multiple chexsystem entries and BoA still opened one. they did however run my credit which is what they used to open my account.
i'm pretty sure you're safe. I even opened a 2nd checking with boA and they opened it with 0 issues. This post has been edited by soccrstar: Jun 13 2009, 08:02 AM EQ: 502 FICO. EX: 486 FICO. TU: 513 FICO / EQ: 503 FAKO / EX: 494 FAKO / TU: 503 FAKO
Credit Karma: 532 [New Ficos 01/08/2010 - FICO Quarterly Monitoring (Pulling EQ same day)] Positive Tradelines: Inofin (auto loan) $7200 ($3555 remaining reported) [2760 actual] 2 Store cards / 1 Secured Card / 1 Credit Card goal by 2010: FICO score of 525 or higher by Year END  |
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Jun 13 2009, 11:36 AM
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#11
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
It looks as if you are fine with Bank Of America as long as you are not reported to EWS. This is what is happening lately
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Jun 13 2009, 02:53 PM
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#12
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Group: Members
Posts: 429 Joined: 13-October 05 Member No.: 23,137 |
QUOTE (mca @ Jun 13 2009, 12:36 PM)  It looks as if you are fine with Bank Of America as long as you are not reported to EWS. This is what is happening lately hmm well what does EWS stand for? This post has been edited by soccrstar: Jun 13 2009, 02:53 PM |
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Jun 13 2009, 04:31 PM
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#13
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
Early Warning Systems ( previously Primary Payment Systems ) is now being used by banks and credit unions the same as chexsystems. Along with other participating organizations, they now share information about potential customers that may be a risk through Identity Check . Identity check distinguishes high-risk individuals from profitable customers the same as chexsystems.
Several organizations have partnered with Early Warning Services to help increase awareness and make the following services more accessible to credit unions. Here is a list of partners they are in collaboration with currently. As you can see this includes many, many credit unions that were once chex-friendly. CO-OP Financial Services who is listed as a partner with EWS also signed a multi-year contract with eFunds Corp(chexsystems) April 2007. Many people that are reported to chexsystems are also reported to EWS. EWS meets the FCRA definition of a credit reporting agency. Send a dispute letter - certified, return receipt disputing what is in their database. They must investigate and verify with the bank or credit union as to what they are reporting. They have 30 days to respond. Those wishing to obtain consumer report information should contact their Consumer Call Center at 800-325-7775. From what I have been told it is much easier to get a copy of your report with EWS than it is with Chexsystems. Apparently they will email you a form that you can mail or fax back to them. From what I have been able to tell, if you are reported to chexsystems then chances are good that you are reported to EWS. This seems especially true of those that have a Chexsystems report that has fraud indicated on it. Early Warning Services is a limited liability company owned by Bank of America, BB&T Corporation, JPMorgan Chase, Wachovia, and Wells Fargo. |
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