Any experience with CS Bank?

[higher180]

I was told that this bank uses Chex systems, but I didn't know if anyone on here has had any experience with this bank, and if they allow people in chex to open accounts. Any information would be helpful!, Thanks!

[Marty716]

With initials like CS.............

[higher180]

With initials like CS.............

 

 

haha yea I know what you mean. I just thought about that after I posted the question. It's Cooper State Bank

[mca]

I can check again but last time I checked, they do use chexsystems. Most people in that area are using either WoodForest (second chance checking that anyone can get) or TAB since there is a Flying J there, and recently I was told that there is a good credit union there that is lenient called KEMBA financial CU. I am not real sure of that one since I just added it to the list and have had no real feedback on it.

[higher180]

I can check again but last time I checked, they do use chexsystems. Most people in that area are using either WoodForest (second chance checking that anyone can get) or TAB since there is a Flying J there, and recently I was told that there is a good credit union there that is lenient called KEMBA financial CU. I am not real sure of that one since I just added it to the list and have had no real feedback on it.

 

I've heard of Woodforest Bank, but they are only in Walmart and the nearest walmart that has one is about 30 minutes away. TAB I haven't tried I'll check into that. Also, Kemba is pretty good CU and they are pretty generous with credit lines, but I can't use them because my bk has a credit card and an overdrawn checking account with them, and they are who reported me to chex

[mca]

Are you near this Investment Center by chance?

 

Fidelity Investments Columbus Investor Center

Polaris Fashion Place

1324 Polaris Parkway

Columbus, OH 43240

800-544-6859

[mca]

here is the information on TAB

 

Name of Bank Transportation Alliance Bank

URL https://www.tabbank.com

 

Form of Verification used by bank ID

Special Notes It has been reported that this bank does not use chexsystems and that ANYONE can get an account with them. You do not have to live near a Flying J to get an account.

 

Here is the application for the account. It is best to fax it in for fastest results

https://www.tabbank.com/home/custserv/appli...application.pdf

 

For a business account, you use a different application and all you do is send that in with articles of organization and you are all set.

I do have a copy of this application if needed, email me at mca1895@wikianswers.com or contact TAB directly for it.

 

After 3 months of good account history, you are then eligible for remote deposits from home. They will not accept money orders but that is typical. They call it express deposit. If its done before 3 pm its credited the same day.

 

Membership Information:

 

 

Email From Bank We have used Chexsystems in the past, but we are not using them at this time

We do not pull credit reports for checking accounts.

Types of accounts offered

Personal checking, savings and business accounts

 

 

 

 

Locations Flying Js

 

OH AUSTINBURG (SAYBROOK) I-90/SR 45 Exit 23

OH BEAVERDAM I-75 Exit 135

OH BERKSHIRE (N. COLUMBUS) I-71 Exit 131

OH HUBBARD I-80 & Hwy 62, Exit 234B Eastbound

OH JEFFERSONVILLE I-71 & SR 41

OH KIRKERSVILLE I-70 Exit 122

OH LAKE TOWNSHIP (TOLEDO) I-280 Exit 1B

[mca]

2 credit unions to maybe consider would be

 

Name of Bank

Telhio Credit Union

URL

http://www.telhio.org

 

Form of Verification used by bank

What is a fraud advisory…

 

This would be a report that we pull to get a beacon score from to qualify you for the account. It is basically a soft hit on your credit bureau but, it won't effect your score.

 

 

Membership Information:

Telhio products and services are available to everyone who lives, works, worships or attends school in Franklin County and these surrounding communities: Canal Winchester, Dublin, Galloway, Johnstown, London, Orient, Pataskala, Pickerington, Powell, Reynoldsburg, and Westerville.

 

Email From Bank 4-10-09

We do pull a fraud advisor which will pull your credit report. We have several ways to qualify you for membership.

 

Types of accounts offered

Personal checking and savings

 

 

Locations

 

WEST - NOW OPEN

3580 Fishinger Blvd, Hilliard, OH 43026

 

NORTHLAND PARK Coming Soon

1681 Morse Road, Columbus, OH 43229

 

DOWNTOWN

96 North Fourth Street, Columbus, OH 43215

 

EAST

201 Outerbelt Street, Columbus, OH 43213

 

NORTH

54 West Wilson Bridge Road, Worthington, OH 43085

 

-----------------------------------------------------------

 

 

 

 

 

Name of Bank

Columbus Metro FCU

URL

http://www.columbusmetro.org

 

Form of Verification used by bank

chexsystems

Special Notes

Any members can open a savings and they do offer second chance checking

 

 

Membership Information:

Anyone who lives, works, worships or attends school in Franklin County is eligible to join Columbus Metro.

 

Email From Bank

Columbus Metro uses both Chexsystems and an Equifax credit report. We do not deny membership based on the contents of these reports, but the only checking option for members with a Chexsystems record is our Metro Merit account (more information is available at www.columbusmetro.org/checking.html). Also, members with a Chexsystems record are subject to extended holds on check deposits.

 

Types of accounts offered

Second chance checking

 

 

Locations

 

See web site

[higher180]

Are you near this Investment Center by chance?

 

Fidelity Investments Columbus Investor Center

Polaris Fashion Place

1324 Polaris Parkway

Columbus, OH 43240

800-544-6859

 

Yea I actually am it's about a 10 to 15 minute drive from me. So I'll have to check them out. Thank you for information on TAB, the nearest flying J to me is about a 45 minute drive, but it's an option if I need to take it. Telhio is an option for me as well, I have one abut 5 minutes away. I have to get rid of some fraud accounts on my CR first (they were from a stolen check book) I tried opening one before and they said that once I get those removed they would be able to open an account for me. So I'm thinking Telhio or Fidelity most likely. I have a national city account but I'm afraid once PNC takes over they will close it. I'm not fimiliar with PNC.

[mca]

it has been reported that Regions Bank is not using chexsystems. I have not been able to officially verify this but thought it might be one to consider there as well.

[mca]

yes CS bank uses chexsystems

Thank you for your inquiry. We use chexsystems

[higher180]

thank you MCA for the updated info. I think Regions bank may be Charter One Bank.