Can I open BOA online checking with frozen reports?

[adenbell]

My 3 reports are frozen. Does BOA check chexsystems or credit reports for opening online checking?

 

I am an existing BOA checking, saving, and CC. The online application never asked me for my login. I submitted the application and they said they will respond to me within 1-2 days.

 

Do you think I will get rejected because my reports are frozen?

[GEORGE]

My 3 reports are frozen. Does BOA check chexsystems or credit reports for opening online checking?

 

I am an existing BOA checking, saving, and CC. The online application never asked me for my login. I submitted the application and they said they will respond to me within 1-2 days.

 

Do you think I will get rejected because my reports are frozen?

You have no local branch near you???

 

If they refuse your money for FROZEN THEY DON'T NEED YOUR BUSINESS VERY MUCH

 

They "MAY" be able to pull because you have existing business with them

Edited February 9, 2010 by GEORGE

[adenbell]

You have no local branch near you???

 

If they refuse your money for FROZEN THEY DON'T NEED YOUR BUSINESS VERY MUCH

 

They "MAY" be able to pull because you have existing business with them

 

I do have a local branch. I chose to apply online because the online checking account has no monthly fee.

[hinklesc]

I tried to open a second checking account after freezing EX. About a week later I received a denial letter.

 

First account they pulled 1 hard and about 4 softs on EX in one weeks time.

.

[GEORGE]

I tried to open a second checking account after freezing EX. About a week later I received a denial letter.

 

First account they pulled 1 hard and about 4 softs on EX in one weeks time.

.

THEY MUST BE DOING FINE $$$$$$$$ WISE since they don't need new business

[adenbell]

I tried to open a second checking account after freezing EX. About a week later I received a denial letter.

 

First account they pulled 1 hard and about 4 softs on EX in one weeks time.

.

 

Can they pull soft because I have CC, checking, and saving with them?

[hinklesc]

I tried to open a second checking account after freezing EX. About a week later I received a denial letter.

 

First account they pulled 1 hard and about 4 softs on EX in one weeks time.

.

 

Can they pull soft because I have CC, checking, and saving with them?

 

It didn't work that way with me as I already had checking, savings, and credit cards (had first).

 

I wanted a 2nd account to max out another $250 on the KTC program.

 

Those pulls I mentioned were from the first application online for a checking.

[adenbell]

It didn't work that way with me as I already had checking, savings, and credit cards (had first).

 

I wanted a 2nd account to max out another $250 on the KTC program.

 

Those pulls I mentioned were from the first application online for a checking.

 

 

Did you unfreeze the reports to resolve the issue?

[hinklesc]

It didn't work that way with me as I already had checking, savings, and credit cards (had first).

 

I wanted a 2nd account to max out another $250 on the KTC program.

 

Those pulls I mentioned were from the first application online for a checking.

 

 

Did you unfreeze the reports to resolve the issue?

 

I did not even try. Wasn't worth the hassle of another hard on EX.

[adenbell]

It didn't work that way with me as I already had checking, savings, and credit cards (had first).

 

I wanted a 2nd account to max out another $250 on the KTC program.

 

Those pulls I mentioned were from the first application online for a checking.

 

 

Did you unfreeze the reports to resolve the issue?

 

I did not even try. Wasn't worth the hassle of another hard on EX.

 

Did it cause any AA for your existing CC or checking?

[GEORGE]

I just don't get how a HARD can be more important than the potential business that they just lost

[hinklesc]

It didn't work that way with me as I already had checking, savings, and credit cards (had first).

 

I wanted a 2nd account to max out another $250 on the KTC program.

 

Those pulls I mentioned were from the first application online for a checking.

 

 

Did you unfreeze the reports to resolve the issue?

 

I did not even try. Wasn't worth the hassle of another hard on EX.

 

Did it cause any AA for your existing CC or checking?

 

None at all.

 

I know you can get 6 checking accounts (X $250 each for KTC= $1500), but don't want 6 BOA hards on EX.

[adenbell]

I just don't get how a HARD can be more important than the potential business that they just lost

 

They declined the application this morning. I called them and they said that I have to unfreeze the report.

I decided to go to chase and I opened a new account with no problem. BTW, chase will also give me $25 bonus for opening a new account.

[adenbell]

My online BOA checking account application has been declined becasuse of the freeze.

 

BOA deposited two small transactions into my external account to make sure that the external account is mine.

 

They already declined my application. Why did they continue processing my deposit?

 

How do I return those two small amounts to BOA? Should I just ignore them?

Edited February 13, 2010 by adenbell

[carltonbanks]

My online BOA checking account application has been declined becasuse of the freeze.

 

BOA deposited two small transactions into my external account to make sure that the external account is mine.

 

They already declined my application. Why did they continue processing my deposit?

 

How do I return those two small amounts to BOA? Should I just ignore them?

They will do a reversal in a day or two. This happens often, esp with direct deposit verifications.

[jds]

FWIW, when I opened my BOA account, I went to the branch and the person there was able to match or beat any (BOA) online offer. It might be worth your effort to give them a call and see. It probably will depend on who you get, though.

[BobWang]

My online BOA checking account application has been declined becasuse of the freeze.

 

BOA deposited two small transactions into my external account to make sure that the external account is mine.

 

They already declined my application. Why did they continue processing my deposit?

 

How do I return those two small amounts to BOA? Should I just ignore them?

Keep the money

[adenbell]

My online BOA checking account application has been declined becasuse of the freeze.

 

BOA deposited two small transactions into my external account to make sure that the external account is mine.

 

They already declined my application. Why did they continue processing my deposit?

 

How do I return those two small amounts to BOA? Should I just ignore them?

Keep the money

 

Will it have any effect on my chexsystem report?