Get Checking???

[Satori98]

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?

[mca]

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?

[Satori98]

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.

[mca]

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.

 

 

email

 

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

[webworm98]

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.

[mca]

Some banks will report to chexsystems and indicate fraud on the report