topazmoon

BTW -- It was super easy to get the checking account. All I had to show was my ID, my debit card and my student schedule (since I was applying for student checking). I didn't have to fill out an application. The CSR just asked me for my SS# and she entered all the info into the computer along with my address, home and work phone number and work address. She then issued me an account number, routing number and a few newbie checks. She offered to open a Visa account for me, but I declined it knowing my credit was super ugly. I only had to sign one form in two places. The form indicated the chexsystems had been checked, but no records found???? Since she barely had time to type in my info, I don't think chexsystems had been checked or will be checked later. Basically I was in and out of there in less than 15 minutes with a new checking account. If everything works out, I will treat US Bank like pure gold and stay away from the evil payday loans that destroyed my B of A and WAMU accounts.

Just opened a checking account at the Upland branch of US Bank located in the Von's grocery store on Foothill Blvd and Euclid Ave. I had tried earlier in the day to get an account at Golden One Credit Union was denied due to being on Chexsystem from B of A (knew about B of A--was surprised that WAMU and Wescom Credit Union didn't show up as well). I currently have a saving account with B of A (my checking account was closed--just waiting for them to close the savings account too for zero balance) and an account with Peoples Bank. Peoples Bank has been good to me, but it's a PITA waiting for deposits to clear and annoying when I need to cash checks (Thank God for Wal-Mart and B of A). I knew I needed a local bank for my needs. Heard US Bank offered accounts to folks in Chexsystem at their in-store branches so I decided to take a chance. Since I'm a student at the University of Phoenix I qualified for their Student Checking which is free checking with a $25 minimun opening balance. They're also offering a $75 free groceries offer if you open with $100. Hopefully US Bank won't do a sweep and cancel my account in the next few months. Will keep my Peoples Bank account open for a while before I cancel it.