 Get Checking???, Credit Union offered us this |
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  Jun 23 2009, 08:41 PM
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#1
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Group: Newbies
Posts: 10 Joined: 30-November 08 Member No.: 86,426  |
My purse was stolen a couple of weeks ago and I just started getting letters that someone has been trying to write my checks. I'm pretty sure this is a small time petty thief who wouldn't have a clue about how to get checks made in my name and what have you.
The day it happened I ran to my bank right away and placed a stop payment on my whole box of checks. They offered to change some of the digits on my checking account for added security. So of course why would I be posting a question in the chexsystems forum but that they found an entry in chex on me from another bank that I know I went into the branch and closed a year ago. My credit union official quietly told me "I found an entry in chex and technically I am supposed to close your account but I know you have kids and are responsible so I won't do that... BUT I can't open a new one." Now, I know from 2 years ago that my credit union does the get checking program and I was thinking that I could do that and have my account number changed anyway. But I go to the get checking website and the program is supposedly not going on right now??? MCA help! is that true? If this is no longer an option, what banks or ahem CREDIT UNIONS are likely to open an account for me in the current financial climate? |
  
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| Googie |
Jun 23 2009, 08:41 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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Jun 23 2009, 10:53 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 |
The " Get Checking " Program depends on where you live. In order to take the class, you must
1. pay off all debt to the reporting banks(s) 2. not show fraud on your report. There have been instances where they have allowed people to take these classes but later they were still denied an account due to those reasons. As far as getting a new account , options depend on where you live. What is your zip code there?  |
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Jun 24 2009, 01:08 AM
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#3
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Group: Newbies
Posts: 10 Joined: 30-November 08 Member No.: 86,426 |
Pfeh fat chance getting a new account. LOL My zip is 90302. I have heard through the proverbial grapevine that my state is one of the toughest. And I really, really love credit unions too
 I so want to just be able to reopen the account at the same place I have been with them for literally years.I'm pretty sure the old debt is only about what like $30? There wasn't anything in my account when I closed it. And I wasn't using checks so I don't know why that's there. I would fight it but am just super ready to change that account right now and time is of the essence in this case. Otherwise I would fight it and very likely win. How quickly could I find out what the account reflects (abuse, fraud, etc)? The lady at the bank didn't tell me. She just shushed me and said quietly she was just going to shred the paperwork and forget we even had that conversation. |
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Jun 24 2009, 08:12 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 |
you would need to order a free copy of your report at www.chexhelp.com
CA is a very difficult state when looking for non-chexsystems options. The best options there locally are as follows: 1. US Bank (in store locations) If your report does NOT show fraud then this is the best option for you in CA if you are local to an “ in store location” Your report MUST NOT show fraud or they will deny. 2. The second best option there at this time is an account with Fidelity Investments. They do offer a checking now that comes with a debit card and checks. Fidelity Investments http://personal.fidelity.com/accounts/aong...earn.shtml.cvsr Special Notes: It has been reported that anyone can get an account with them and they do not use chexsystems. email: Thank you for the opportunity to address your email in regards to depositing money with Fidelity Investments. Yes, if you open a Fidelity Account, you can deposit a check at any one of our Fidelity Investor Centers. Or, you may mail us a check at any one of the following addresses: Overnight mail address (extra postage required): Fidelity Investments 100 Crosby Parkway Mail Zone KC1H Covington, KY 41015 Standard mail address: Fidelity Investments PO Box 770001 Cincinnati, OH 45277 Here is a list of the centers http://personal.fidelity.com/accounts/se....refpr=sitmap195 for ATM information go to http://branchlocator.fidelity.com/branchlo...uery?refpr=cuic You may need to verify at the branch that they do have the deposit capabilities. Okay I called Fidelity and apparently most of the investment centers have what they call ....ADMs (Automatic Deposit Machines) where you can deposit any check made out to Fidelity or to you and they will be posted to your account. If there is not an Investment Center local to you that has an ADM, they will send out pre-paid envelopes to mail in your deposits. THE BEST THING IS THAT THERE ARE NO ATM FEES .. THEY ARE CREDITED BACK IN A FEW DAYS The Visa Gold Check Card1 gives you access to the cash in your Fidelity account at merchants and ATMs worldwide, wherever Visa is accepted. We realize there are many different investment companies and we appreciate your interest in Fidelity. You are able to simply open a mySmart Cash Account and not be required to open a brokerage account. To learn more and/or set up a mySmart Cash Account, please access the link below. If you’re not yet a Fidelity customer, please download a mail-in application: mySmart Cash Account Individual or Joint registration (PDF). You can just open the account by mail as well without having going through the hassle of opening an brokerage account then opening the checking. Here's the link to the mail-in app so you can just get the smart cash account without opening a brokerage. http://personal.fidelity.com/accounts/pdf/sca_app.pdf If you choose to open online and not through the mail, you will have to open the brokerage account first but you DO NOT have to fund it. http://personal.fidelity.com/accounts/aong...earn.shtml.cvsr California Locations Fidelity Investments Brea Orange County Investor Center 815 E. Birch Street Brea, CA 92821 800-526-7251 Fidelity Investments Burlingame Investor Center 1411 Chapin Avenue Burlingame, CA 94010 800-544-0220 Fidelity Investments San Jose Investor Center 851 East Hamilton Avenue, Suite 100 Campbell, CA 95008 800-544-4180 Fidelity Investments Irvine - Newport Beach Investor Center The Atrium Building 19200 Von Karman Avenue, Suite 150 Irvine, CA 92612 800-331-5829 Fidelity Investments Marin Investor Center Larkspur Landing Shopping Center 601 Larkspur Landing Circle Larkspur, CA 94939 800-990-1139 Fidelity Investments LA Century City Investor Center 2000 Avenue of the Stars Los Angeles, CA 90067 800-544-5853 Fidelity Investments Mission Viejo Investor Center 27101 Puerta Real, Suite 160 Mission Viejo, CA 92691 800-544-0204 Fidelity Investments Palm Desert Investor Center 73575 El Paseo, Suite C-2300 Palm Desert, CA 92260 800-544-6983 Fidelity Investments Palo Alto Investor Center 251 University Avenue Palo Alto, CA 94301 800-742-1566 Fidelity Investments LA Pasadena Investor Center 123 South Lake Avenue Pasadena, CA 91101 800-638-0620 Fidelity Investments Rancho Bernardo Investor Center 16656 Bernardo Center Drive Rancho Bernardo, CA 92128 800-622-0554 Fidelity Investments Roseville Investor Center 1220 Roseville Parkway, Suite 100 Roseville, CA 95678 800-987-1410 Fidelity Investments Sacramento Investor Center 1740 Arden Way Sacramento, CA 95815 800-635-3441 Fidelity Investments Del Mar Investor Center 11943 El Camino Real, Suite 120 San Diego, CA 92130 800-987-1344 Fidelity Investments San Diego Investor Center 7676 Hazard Center Drive, Suite 210 San Diego, CA 92108 800-635-0472 Fidelity Investments San Francisco Investor Center 8 Montgomery Street San Francisco, CA 94104 800-462-5450 Fidelity Investments Santa Barbara Investor Center 3793 State Street Santa Barbara, CA 93105 800-622-0603 Fidelity Investments Santa Monica Investor Center 1200 Wilshire Boulevard Santa Monica, CA 90403 800-873-5131 Fidelity Investments Sunnyvale Investor Center 398 West El Camino Real Suite 102 Sunnyvale, CA 94087 800-371-0613 Fidelity Investments Thousand Oaks Investor Center 111 South Westlake Boulevard #103 Thousand Oaks, CA 91362 800-381-6154 Fidelity Investments LA South Bay Investor Center 21701 Hawthorne Boulevard Torrance, CA 90503 800-779-8750 Fidelity Investments Walnut Creek Investor Center 2001 North Main Street, Suite 100 Walnut Creek, CA 94596 800-544-8235 Fidelity Investments LA Woodland Hills Investor Center 6326 Canoga Avenue Woodland Hills, CA 91367 800-544-7602 |
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Jun 25 2009, 06:40 PM
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#5
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Group: Members
Posts: 2,056 Joined: 1-July 05 Member No.: 19,089 |
What is wrong with a fraud alert. I put a fraud alert on one of my checking accounts.
Unless you mean the person trying to get the account is accused of fraud. Debit card tips.
Have two accounts preferably at a different banks both with debit cards. Have one that is used only for web, mail, fax and phone transactions. Have another checking that used for in person purchases and atms. Do not use it at pay at pump, pay inside. When using a pin cover the entry so people and camera do not see what you put in. Lower your daily authorization limit to $1,000 Check your checking account(s) online at least every two business days. Only write one or two checks that have debit cards attached to the checking account. Find a bank that has instant capture, so you can see preauthorizations online. Blog at http://creditcardanddebitcardinfo.blogspot.com/ (No adwords) |
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Jun 25 2009, 09:54 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 |
Some banks will report to chexsystems and indicate fraud on the report
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