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How do I open a Business Checking Account in Houston if I'm on Chexsystems and EWS and have terrible credit?


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18 replies to this topic

#1 gman5432

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Posted 21 February 2012 - 07:37 PM

Ok, so here's the deal. I was an entrepreneur and things went terribly wrong causing me to default on creditors and overdraft my checking account with BOA. I'm sure I'm on Chexsystems and EWS. Now I want to open a business checking account and start over with a new business so I can hopefully pay back all the money I owe. I have a sole proprietorship and I'm only using paypal at the moment, and then transferring the money from paypal to a family member's bank account. Paypal is great for taking electronic payments under a sole proprietorship. For checks made out to my sole proprietorship I simply cash them at check cashing places for ridiculously high percentage fees.

Anyway, back to my question. I am in Houston, TX and I want to open a business checking account so I don't have to deal with all these headaches. I want to incorporate and form an LLC in Texas, but before I create this LLC I want to know if it will help me open a business checking account. I guess my concern is that I will file the LLC as a single member LLC with me as the only member, and then I will go to the bank and they will run me through chexsystems and EWS and deny me. I have read that banks only run the LLCs EIN Tax Id through chexsystems, but I have also read elsewhere that the signers are run through chexsystems and EWS as well. Also if I were to pick a friend as a signer who is clean, wouldn't that look weird to the banks?

Also, if you live in Houston, TX could you recommend a bank or credit union?



#2 Oceandreamz

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Posted 24 February 2012 - 01:08 AM

I dont know as I am new but I own a business...and I am in Chex

I started an S Corp not an LLC. The bank took my EIN number and the name of my S corp and a copy of the filing with the State as Incorporated. I am the only signer on the account and I had this opened with BOA. They opened no problems. They only asked IF i was going to be adding on a future signer. I also stated the only other added signer would be my accountant for the company to send all checks and payroll. SO If they give you a headache to open the account by yourself....go get your accountant or bookkeeper to be the signer and have a contract drawn where the accountant only can give funds at your descretion. Just my experience and I may have been just lucky but looking at my track record...dont bet on the lucky part...if I were a horse they would call me Gluepots

#3 mca

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Posted 25 February 2012 - 02:17 AM

Ok, so here's the deal. I was an entrepreneur and things went terribly wrong causing me to default on creditors and overdraft my checking account with BOA. I'm sure I'm on Chexsystems and EWS. Now I want to open a business checking account and start over with a new business so I can hopefully pay back all the money I owe. I have a sole proprietorship and I'm only using paypal at the moment, and then transferring the money from paypal to a family member's bank account. Paypal is great for taking electronic payments under a sole proprietorship. For checks made out to my sole proprietorship I simply cash them at check cashing places for ridiculously high percentage fees.

Anyway, back to my question. I am in Houston, TX and I want to open a business checking account so I don't have to deal with all these headaches. I want to incorporate and form an LLC in Texas, but before I create this LLC I want to know if it will help me open a business checking account. I guess my concern is that I will file the LLC as a single member LLC with me as the only member, and then I will go to the bank and they will run me through chexsystems and EWS and deny me. I have read that banks only run the LLCs EIN Tax Id through chexsystems, but I have also read elsewhere that the signers are run through chexsystems and EWS as well. Also if I were to pick a friend as a signer who is clean, wouldn't that look weird to the banks?

Also, if you live in Houston, TX could you recommend a bank or credit union?



Try 1st Convenience Bank.. they will approve you http://www.1stcb.com/

#4 L'Style

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Posted 19 March 2012 - 08:58 PM

I have the same problem. I'm in Detroit, MI. Any suggestions?

#5 mca

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Posted 20 March 2012 - 12:21 AM

I have the same problem. I'm in Detroit, MI. Any suggestions?

Are you reported to chexsystems only or also EWS? What is your zip code?

#6 L'Style

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Posted 20 March 2012 - 09:10 PM

I'm in Chex, don't know about EWS. 48219

#7 mca

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Posted 21 March 2012 - 07:23 AM

I'm in Chex, don't know about EWS. 48219



Try TCF Bank.. they should help you regardless of chexsystems

#8 millionariess2

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Posted 03 April 2012 - 11:47 AM

I am in Houston, Texas also with the same problem as original poster. On EWS for B of A since 2010. Wonder if I can open a business account online? Who is TCF Bank?

#9 mca

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Posted 04 April 2012 - 12:23 AM

I am in Houston, Texas also with the same problem as original poster. On EWS for B of A since 2010. Wonder if I can open a business account online? Who is TCF Bank?

For Houston TX try 1st Convenience Bank

Houston, TX N. Houston West Road Super Wal-Mart 10411 N. Freeway I-45
Houston, TX Gessner 5801 S. Gessner
Houston, TX Antoine Food Town 5367 Antoine Dr.
Houston, TX Sam Houston Food Town 2770 Sam Houston Pkwy. West
Houston, TX Hammerly/Gessner Kroger 2300 Gessner Dr.
Houston, TX Telephone Rd. Kroger 6322 Telephone Road
Houston, TX Aldine Mail Rd. Kroger 5235 Aldine Mail Rd.
Houston, TX S. Post Oak Kroger 10306 S Post Oak Rd.
Houston, TX Providence Kroger 9303 Hwy 6 South
Houston, TX Wirt Kroger 1505 Wirt Rd.
Houston, TX Normandy Kroger 12620 Woodforest Blvd. Suite 200
Houston, TX Voss Kroger 1801 S. Voss Rd.
Houston, TX Beltway 8 Kroger 14710 Woodforest Blvd
Houston, TX West Gray Kroger 1938 W. Gray St
Houston, TX West 43rd Kroger 1352 W. 43rd
Houston, TX Easton Commons Kroger 8550 Hwy 6 North
Houston, TX FM 1960 West Kroger 360 FM 1960 West
Houston, TX Old Spanish Trail Kroger 1990 Old Spanish Trail
Houston, TX Buffalo Spdwy Kroger 5150 Buffalo Speedway
Houston, TX Westheimer Kroger 9919 Westheimer Rd
Houston, TX Sabo Road Kroger 11701 S. Sam Houston Pkwy E.
Houston, TX Eldridge Kroger 6350 N. Eldridge Pkwy
Houston, TX Airline Fiesta 4711 Airline Dr.
Houston, TX H.E.B. Scott St. H-E-B 6102 Scott St.
Houston, TX Fiesta - Mykawa Fiesta 5600 Mykawa Rd.
Houston, TX Joe V's Houston Joe V's H-E-B 12035 Antoine Drive
Houston, TX Joe V's Uvalde Joe V's H-E-B 5607 Uvalde Road
Houston, TX Joe V's Lockfield Joe V's H-E-B 12009 Northwest Freeway
Houston, TX Joe V's Victory Joe V's H-E-B 612 N. Victory
Houston, TX Little York Mi Tienda H-E-B 3800 Little York Suite 180
Houston, TX Bearcreek H-E-B 4955 Highway 6 North
Houston, TX Beechnut H-E-B 10100 Beechnut
Houston, TX Fry Road H-E-B 1550 Fry Road
Houston, TX Gulfgate H-E-B 3111 Woodridge
Houston, TX Kempwood H-E-B 10251 Kempwood Drive

There are also second chance checking with WoodForest there

#10 millionariess2

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Posted 04 April 2012 - 11:30 AM


I am in Houston, Texas also with the same problem as original poster. On EWS for B of A since 2010. Wonder if I can open a business account online? Who is TCF Bank?

For Houston TX try 1st Convenience Bank

Houston, TX N. Houston West Road Super Wal-Mart 10411 N. Freeway I-45
Houston, TX Gessner 5801 S. Gessner
Houston, TX Antoine Food Town 5367 Antoine Dr.
Houston, TX Sam Houston Food Town 2770 Sam Houston Pkwy. West
Houston, TX Hammerly/Gessner Kroger 2300 Gessner Dr.
Houston, TX Telephone Rd. Kroger 6322 Telephone Road
Houston, TX Aldine Mail Rd. Kroger 5235 Aldine Mail Rd.
Houston, TX S. Post Oak Kroger 10306 S Post Oak Rd.
Houston, TX Providence Kroger 9303 Hwy 6 South
Houston, TX Wirt Kroger 1505 Wirt Rd.
Houston, TX Normandy Kroger 12620 Woodforest Blvd. Suite 200
Houston, TX Voss Kroger 1801 S. Voss Rd.
Houston, TX Beltway 8 Kroger 14710 Woodforest Blvd
Houston, TX West Gray Kroger 1938 W. Gray St
Houston, TX West 43rd Kroger 1352 W. 43rd
Houston, TX Easton Commons Kroger 8550 Hwy 6 North
Houston, TX FM 1960 West Kroger 360 FM 1960 West
Houston, TX Old Spanish Trail Kroger 1990 Old Spanish Trail
Houston, TX Buffalo Spdwy Kroger 5150 Buffalo Speedway
Houston, TX Westheimer Kroger 9919 Westheimer Rd
Houston, TX Sabo Road Kroger 11701 S. Sam Houston Pkwy E.
Houston, TX Eldridge Kroger 6350 N. Eldridge Pkwy
Houston, TX Airline Fiesta 4711 Airline Dr.
Houston, TX H.E.B. Scott St. H-E-B 6102 Scott St.
Houston, TX Fiesta - Mykawa Fiesta 5600 Mykawa Rd.
Houston, TX Joe V's Houston Joe V's H-E-B 12035 Antoine Drive
Houston, TX Joe V's Uvalde Joe V's H-E-B 5607 Uvalde Road
Houston, TX Joe V's Lockfield Joe V's H-E-B 12009 Northwest Freeway
Houston, TX Joe V's Victory Joe V's H-E-B 612 N. Victory
Houston, TX Little York Mi Tienda H-E-B 3800 Little York Suite 180
Houston, TX Bearcreek H-E-B 4955 Highway 6 North
Houston, TX Beechnut H-E-B 10100 Beechnut
Houston, TX Fry Road H-E-B 1550 Fry Road
Houston, TX Gulfgate H-E-B 3111 Woodridge
Houston, TX Kempwood H-E-B 10251 Kempwood Drive

There are also second chance checking with WoodForest there


well, I have an account with Chase, regular checking, i just want the business checking to be at a separate bank. I had issues with !st Convenience Bank in 2008. will call to see if i owe them. May try Woodforest for Business Account.

#11 mca

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Posted 05 April 2012 - 02:44 PM



I am in Houston, Texas also with the same problem as original poster. On EWS for B of A since 2010. Wonder if I can open a business account online? Who is TCF Bank?

For Houston TX try 1st Convenience Bank

Houston, TX N. Houston West Road Super Wal-Mart 10411 N. Freeway I-45
Houston, TX Gessner 5801 S. Gessner
Houston, TX Antoine Food Town 5367 Antoine Dr.
Houston, TX Sam Houston Food Town 2770 Sam Houston Pkwy. West
Houston, TX Hammerly/Gessner Kroger 2300 Gessner Dr.
Houston, TX Telephone Rd. Kroger 6322 Telephone Road
Houston, TX Aldine Mail Rd. Kroger 5235 Aldine Mail Rd.
Houston, TX S. Post Oak Kroger 10306 S Post Oak Rd.
Houston, TX Providence Kroger 9303 Hwy 6 South
Houston, TX Wirt Kroger 1505 Wirt Rd.
Houston, TX Normandy Kroger 12620 Woodforest Blvd. Suite 200
Houston, TX Voss Kroger 1801 S. Voss Rd.
Houston, TX Beltway 8 Kroger 14710 Woodforest Blvd
Houston, TX West Gray Kroger 1938 W. Gray St
Houston, TX West 43rd Kroger 1352 W. 43rd
Houston, TX Easton Commons Kroger 8550 Hwy 6 North
Houston, TX FM 1960 West Kroger 360 FM 1960 West
Houston, TX Old Spanish Trail Kroger 1990 Old Spanish Trail
Houston, TX Buffalo Spdwy Kroger 5150 Buffalo Speedway
Houston, TX Westheimer Kroger 9919 Westheimer Rd
Houston, TX Sabo Road Kroger 11701 S. Sam Houston Pkwy E.
Houston, TX Eldridge Kroger 6350 N. Eldridge Pkwy
Houston, TX Airline Fiesta 4711 Airline Dr.
Houston, TX H.E.B. Scott St. H-E-B 6102 Scott St.
Houston, TX Fiesta - Mykawa Fiesta 5600 Mykawa Rd.
Houston, TX Joe V's Houston Joe V's H-E-B 12035 Antoine Drive
Houston, TX Joe V's Uvalde Joe V's H-E-B 5607 Uvalde Road
Houston, TX Joe V's Lockfield Joe V's H-E-B 12009 Northwest Freeway
Houston, TX Joe V's Victory Joe V's H-E-B 612 N. Victory
Houston, TX Little York Mi Tienda H-E-B 3800 Little York Suite 180
Houston, TX Bearcreek H-E-B 4955 Highway 6 North
Houston, TX Beechnut H-E-B 10100 Beechnut
Houston, TX Fry Road H-E-B 1550 Fry Road
Houston, TX Gulfgate H-E-B 3111 Woodridge
Houston, TX Kempwood H-E-B 10251 Kempwood Drive

There are also second chance checking with WoodForest there


well, I have an account with Chase, regular checking, i just want the business checking to be at a separate bank. I had issues with !st Convenience Bank in 2008. will call to see if i owe them. May try Woodforest for Business Account.



WoodForest does offer second chance business accounts now but there is a monthly fee of 15.00

#12 StarPower

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Posted 08 April 2012 - 11:05 PM

Hey im in EWS not sure bout Chex....i need an account NOW.. going to the military soon 31401

#13 mca

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Posted 09 April 2012 - 02:29 PM

Hey im in EWS not sure bout Chex....i need an account NOW.. going to the military soon 31401



The best account for you would be with NFCU

NAVY FEDERAL CREDIT UNION Important Information: If you are eligible for membership you will get an account, They do not use chexsystems or Telecheck.


Membership Information:


Eligibility Checklist


Navy Federal's field of membership is determined by the National Credit Union Administration. If you are in any of these categories, you are eligible to join:


All Department of Defense (DoD) uniformed personnel—Army, Navy, Air Force and Marine Corps, retirees and annuitants


All Department of Defense Reservists—Army, Navy, Air Force and Marine Corps—regardless of drill status—retirees and annuitants


All Army and Air National Guard Personnel—regardless of drill status—civilian employees, retirees and annuitants


All DoD Officer Candidate programs: Midshipmen and cadets at the United States Naval Academy, United States Military Academy, United States Air Force Academy, United States Coast Guard Academy and the United States Merchant Marine Academy; Other Officer Programs


All DoD civilian employees


U.S. Government employees assigned to DoD installations


DoD contractors assigned to U.S. Government installations


Family Members, including grandparents, parents, spouses, siblings, grandchildren, children (including adopted, foster and stepchildren) and household members


Once your family members have joined, they can extend the membership opportunity to their family members, too.


they also offer business accounts


They have shared branches all over the US

#14 gypsielife

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Posted 27 April 2012 - 03:17 PM

I am looking for a Business checking and I believe I am in booth Chexsystems and EWS due to stolen identity still fighting to get this removed. I would like a business checking. I am in Miami 33134

#15 mca

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Posted 29 April 2012 - 01:14 AM

I am looking for a Business checking and I believe I am in booth Chexsystems and EWS due to stolen identity still fighting to get this removed. I would like a business checking. I am in Miami 33134

If you are eligible for membership .. People's Alliance Federal Credit Union is the best option in Miami


Miami and Hialeah, Florida.
If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance
http://pafcu.org

#16 WaterMermaid

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Posted 29 April 2012 - 08:58 AM

MCA, I'm reported to EWS (ChexSystem is clean) and too need a business checking account. My zip code is 32935.

Would Space Coast Credit Union be a good choice? Do you know of any other banks in this area that doesn't check EWS?




#17 IvyMgmt

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Posted 30 April 2012 - 03:22 PM

I know I asked this before but what do you have for Maryland 20904 I tried Woodforest but it was way too complicated..

#18 mca

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Posted 15 May 2012 - 09:17 PM

I know I asked this before but what do you have for Maryland 20904 I tried Woodforest but it was way too complicated..

Have you tried http://bankwithunited.com/ ??

#19 bmer

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Posted 21 November 2013 - 09:15 PM

Need a business checking account in Tampa Bay zip 33626. On chex and ews. Any suggestions?






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