So, I was feeling depressed after receiving my Chexysytems report and EWS report about a week ago and started the dispute process.
Despite having the usual online bank accounts, I wanted a physical location to bank with here in CA. So I took Mary's advice and called my local US Bank in Goleta, CA (near Santa Barbara) which is an in-store branch (Ralph's Supermarket) and spoke to a very nice CSR.
I laid it all on the line and told her that my report was about 3 years old. She said come in and lets give it a try, which made me feel quite reluctant because of the past horror stories I read, that a bank will open an account, and then freeze it a week later. She said "NOOOOOO, we don't do that we are NOT BOFA". I asked, "are you sure?" She replied yes, I used to work for BOFA :-)
Well, it was a success. I managed to open both a checking and savings account. Finally, when I signed the signature card, I read the bottom portion carefully which stated, " Chexsystems verified (Checkmark), Customer has chexsystems record: No checkmark.
The CSR claims if it (the report) is somewhat aged, it may not even show up on their system.
So folks, don't give up, keep trying!!
Mary and CB, I am eternally grateful!!