My purse was stolen a couple of weeks ago and I just started getting letters that someone has been trying to write my checks. I'm pretty sure this is a small time petty thief who wouldn't have a clue about how to get checks made in my name and what have you.

The day it happened I ran to my bank right away and placed a stop payment on my whole box of checks. They offered to change some of the digits on my checking account for added security.

So of course why would I be posting a question in the chexsystems forum but that they found an entry in chex on me from another bank that I know I went into the branch and closed a year ago.

My credit union official quietly told me "I found an entry in chex and technically I am supposed to close your account but I know you have kids and are responsible so I won't do that... BUT I can't open a new one."

Now, I know from 2 years ago that my credit union does the get checking program and I was thinking that I could do that and have my account number changed anyway. But I go to the get checking website and the program is supposedly not going on right now??? MCA help! is that true?

If this is no longer an option, what banks or ahem CREDIT UNIONS are likely to open an account for me in the current financial climate?

The " Get Checking " Program depends on where you live. In order to take the class, you must
1. pay off all debt to the reporting banks(s)
2. not show fraud on your report.

There have been instances where they have allowed people to take these classes but later they were still denied an account due to those reasons.

As far as getting a new account , options depend on where you live. What is your zip code there?

Pfeh fat chance getting a new account. LOL My zip is 90302. I have heard through the proverbial grapevine that my state is one of the toughest. And I really, really love credit unions too I so want to just be able to reopen the account at the same place I have been with them for literally years.

I'm pretty sure the old debt is only about what like $30? There wasn't anything in my account when I closed it. And I wasn't using checks so I don't know why that's there. I would fight it but am just super ready to change that account right now and time is of the essence in this case. Otherwise I would fight it and very likely win.

How quickly could I find out what the account reflects (abuse, fraud, etc)? The lady at the bank didn't tell me. She just shushed me and said quietly she was just going to shred the paperwork and forget we even had that conversation.

you would need to order a free copy of your report at www.chexhelp.com

CA is a very difficult state when looking for non-chexsystems options. The best options there locally are as follows:
1. US Bank (in store locations) If your report does NOT show fraud then this is the best option for you in CA if you are local to an “ in store location” Your report MUST NOT show fraud or they will deny.

2. The second best option there at this time is an account with Fidelity Investments. They do offer a checking now that comes with a debit card and checks.

Fidelity Investments
http://personal.fidelity.com/accounts/aong...earn.shtml.cvsr


Special Notes:

It has been reported that anyone can get an account with them and they do not use chexsystems.


email:

Thank you for the opportunity to address your email in regards to depositing money with Fidelity Investments.

Yes, if you open a Fidelity Account, you can deposit a check at any one of our Fidelity Investor Centers. Or, you may mail us a check at any one of the following addresses:

Overnight mail address (extra postage required):

Fidelity Investments
100 Crosby Parkway
Mail Zone KC1H
Covington, KY 41015

Standard mail address:

Fidelity Investments
PO Box 770001
Cincinnati, OH 45277

Here is a list of the centers

http://personal.fidelity.com/accounts/se....refpr=sitmap195


for ATM information go to
http://branchlocator.fidelity.com/branchlo...uery?refpr=cuic

You may need to verify at the branch that they do have the deposit capabilities. Okay I called Fidelity and apparently most of the investment centers have what they call ....ADMs (Automatic Deposit Machines) where you can deposit any check made out to Fidelity or to you and they will be posted to your account.


If there is not an Investment Center local to you that has an ADM, they will send out pre-paid envelopes to mail in your deposits.


THE BEST THING IS THAT THERE ARE NO ATM FEES .. THEY ARE CREDITED BACK IN A FEW DAYS


The Visa Gold Check Card1 gives you access to the cash in your Fidelity account at merchants and ATMs worldwide, wherever Visa is accepted.


email

We realize there are many different investment companies and we appreciate your interest in Fidelity. You are able to simply open a mySmart Cash Account and not be required to open a brokerage account. To learn more and/or set up a mySmart Cash Account, please access the link below.


If you’re not yet a Fidelity customer, please download a mail-in application: mySmart Cash Account Individual or Joint registration (PDF). You can just open the account by mail as well without having going through the hassle of opening an brokerage account then opening the checking. Here's the link to the mail-in app so you can just get the smart cash account without opening a brokerage.
http://personal.fidelity.com/accounts/pdf/sca_app.pdf

If you choose to open online and not through the mail, you will have to open the brokerage account first but you DO NOT have to fund it.

http://personal.fidelity.com/accounts/aong...earn.shtml.cvsr
California Locations
Fidelity Investments Brea Orange County Investor Center
815 E. Birch Street
Brea, CA 92821
800-526-7251
Fidelity Investments Burlingame Investor Center
1411 Chapin Avenue
Burlingame, CA 94010
800-544-0220
Fidelity Investments San Jose Investor Center
851 East Hamilton Avenue, Suite 100
Campbell, CA 95008
800-544-4180
Fidelity Investments Irvine - Newport Beach Investor Center
The Atrium Building
19200 Von Karman Avenue, Suite 150
Irvine, CA 92612
800-331-5829
Fidelity Investments Marin Investor Center
Larkspur Landing Shopping Center
601 Larkspur Landing Circle
Larkspur, CA 94939
800-990-1139
Fidelity Investments LA Century City Investor Center
2000 Avenue of the Stars
Los Angeles, CA 90067
800-544-5853
Fidelity Investments Mission Viejo Investor Center
27101 Puerta Real, Suite 160
Mission Viejo, CA 92691
800-544-0204
Fidelity Investments Palm Desert Investor Center
73575 El Paseo, Suite C-2300
Palm Desert, CA 92260
800-544-6983
Fidelity Investments Palo Alto Investor Center
251 University Avenue
Palo Alto, CA 94301
800-742-1566
Fidelity Investments LA Pasadena Investor Center
123 South Lake Avenue
Pasadena, CA 91101
800-638-0620
Fidelity Investments Rancho Bernardo Investor Center
16656 Bernardo Center Drive
Rancho Bernardo, CA 92128
800-622-0554
Fidelity Investments Roseville Investor Center
1220 Roseville Parkway, Suite 100
Roseville, CA 95678
800-987-1410
Fidelity Investments Sacramento Investor Center
1740 Arden Way
Sacramento, CA 95815
800-635-3441
Fidelity Investments Del Mar Investor Center
11943 El Camino Real, Suite 120
San Diego, CA 92130
800-987-1344
Fidelity Investments San Diego Investor Center
7676 Hazard Center Drive, Suite 210
San Diego, CA 92108
800-635-0472
Fidelity Investments San Francisco Investor Center
8 Montgomery Street
San Francisco, CA 94104
800-462-5450
Fidelity Investments Santa Barbara Investor Center
3793 State Street
Santa Barbara, CA 93105
800-622-0603
Fidelity Investments Santa Monica Investor Center
1200 Wilshire Boulevard
Santa Monica, CA 90403
800-873-5131
Fidelity Investments Sunnyvale Investor Center
398 West El Camino Real
Suite 102
Sunnyvale, CA 94087
800-371-0613
Fidelity Investments Thousand Oaks Investor Center
111 South Westlake Boulevard #103
Thousand Oaks, CA 91362
800-381-6154
Fidelity Investments LA South Bay Investor Center
21701 Hawthorne Boulevard
Torrance, CA 90503
800-779-8750
Fidelity Investments Walnut Creek Investor Center
2001 North Main Street, Suite 100
Walnut Creek, CA 94596
800-544-8235
Fidelity Investments LA Woodland Hills Investor Center
6326 Canoga Avenue
Woodland Hills, CA 91367
800-544-7602

What is wrong with a fraud alert. I put a fraud alert on one of my checking accounts.

Unless you mean the person trying to get the account is accused of fraud.

Some banks will report to chexsystems and indicate fraud on the report