Nice to meet you MCA

[bozzburg]

Hello MCA. I hear you are the expert on this side of the fence. I look forward to getting inpit from you.

 

Within the past week, CITI reported an overdrawn account. I have spent the whole week trying to square up. I went all the way up to exec offices in NY attempting to negotiate a PFD. No go and nobody would budge. My fear is my 2 Chase accounts I have in good standing abd have been for 1 year and a half. One is Access checking and the other is a regular checking. The Access checking I had to open cus I have a 4 year old Chex entry from BOA for 100.00 that has long been paid. I am now in panic mode and getting paper checks getting ready to be mailed for fear of a random chex sweep from Chase and having my money froze up. Do you think that they would even shut the Access account down too?

Also lets say the random sweep comes and by then I have the CITI listed as paid on Chex ya think they would still shut me down? Doez CITI use or have been known to use EWS? Sorry for the ridiculously long post.....LOL.

Edited March 30, 2013 by bozzburg

[BRBiz]

Hello MCA. I hear you are the expert on this side of the fence. I look forward to getting inpit from you.

Within the past week, CITI reported an overdrawn account. I have spent the whole week trying to square up. I went all the way up to exec offices in NY attempting to negotiate a PFD. No go and nobody would budge. My fear is my 2 Chase accounts I have in good standing abd have been for 1 year and a half. One is Access checking and the other is a regular checking. The Access checking I had to open cus I have a 4 year old Chex entry from BOA for 100.00 that has long been paid. I am now in panic mode and getting paper checks getting ready to be mailed for fear of a random chex sweep from Chase and having my money froze up. Do you think that they would even shut the Access account down too?

Also lets say the random sweep comes and by then I have the CITI listed as paid on Chex ya think they would still shut me down? Doez CITI use or have been known to use EWS? Sorry for the ridiculously long post.....LOL.

She is pretty busy and not on here as much... Citi doesn't use EWS... There is a thread on here about Chase closing accounts during sweeps..do a quick search it should come up..It looks like they use EWS so you should be fine any way. Edited March 31, 2013 by Brndnh721

[bozzburg]

So you really think i could slide under the radar and not have them find out about new Chex entry?

[bozzburg]

Bumpski

[BRBiz]

I think you will be fine . From what I saw from searching here was they look at EWS and not Chex.. Citi doesn't report to EWS probably because a few other large banks own EWS.

[mca]

Hello MCA. I hear you are the expert on this side of the fence. I look forward to getting inpit from you.

 

Within the past week, CITI reported an overdrawn account. I have spent the whole week trying to square up. I went all the way up to exec offices in NY attempting to negotiate a PFD. No go and nobody would budge. My fear is my 2 Chase accounts I have in good standing abd have been for 1 year and a half. One is Access checking and the other is a regular checking. The Access checking I had to open cus I have a 4 year old Chex entry from BOA for 100.00 that has long been paid. I am now in panic mode and getting paper checks getting ready to be mailed for fear of a random chex sweep from Chase and having my money froze up. Do you think that they would even shut the Access account down too?

Also lets say the random sweep comes and by then I have the CITI listed as paid on Chex ya think they would still shut me down? Doez CITI use or have been known to use EWS? Sorry for the ridiculously long post.....LOL.

Anything is possible with banks that use chexsystems but I doubt that Chase will shut down your account as long as it remains in good standing even if you don't have it paid off. Most banks will just turn it over to a collection agency and then you might be able to settle the debt for less.

[jonson]

Even though Chase has been known to shut people down after a new Chex entry, it doesn't happen everytime. When I had negative information sent to Chex, Chase never closed my account. I was actually able to open more accounts with no problems. So I'm not exactly sure what sets them off. I understand your concern, though.

[Guest]

mca is a kind soul. Her info helped me open up a checking account when I was on Chex, and within the 5-year period. I now have a healthy checking account at TABbank, and I have her to thank! Then I joined up CB in 2009.

 

Thank you, mca

[mca]

mca is a kind soul. Her info helped me open up a checking account when I was on Chex, and within the 5-year period. I now have a healthy checking account at TABbank, and I have her to thank! Then I joined up CB in 2009.

 

Thank you, mca

you are very welcome