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whall1970

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  1. Well if someone can’t get a checking at a major bank or credit union then it’s an option . Hello
  2. Also if you open account choose personal checking , cause they also have option for teen checking. Mobile deposit is sort of hidden so I suggest google how to do it, I did and it worked
  3. I opened this account. It’s current.com it’s a division of Choice Bank. My Chex and Ews is a hot mess. Current has mobile deposit, I did one and it was available next day. There mobile banking is state of the art. It can be confusing at first. Also if you set up direct deposit and have it set up for a couple of months into account they have instant deposit , which means If you set up an external account like Bank of America and transfer money from external account instead of 3 day wait for transfer , it available immediately . The Premier Checking is $4.95 fee a month
  4. Yes I went into branch and still only approved for opportunity
  5. I tried applying online for Everyday and says I only qualify for Opportunity. My Opportunity Checking I have now is over a year old in good standing. Branch said they might be able to try. and open an everyday checking but no guarantee it won’t be closed by back office
  6. Regions really does not care about Chex as much as other banks. If your account is never negative I wouldn’t worry about. I had a Regions account a while back and my Chex report was really bad and they opened account and never closed it.
  7. My Wells Fargo is over a year old Opportunity Checking. Its been in good standing and consistent monthly direct deposits. I called Wells Fargo and went into branch to see if I can upgrade to the regular Everday Checking. They said they no longer do it themselves that the computer picks certain accounts out and upgrades them. Has anyone had any experience with this or how to upgrade it?
  8. Try Magnolia Federal Credit Union. There in MS. It might not be close to you but they have shared branches. I had an account I opened online and they used telecheck for verification
  9. Moneylion Zero Free Checking and it comes with a lot of options, instacash, loans, etc. No fees. My credit score is in the basement and they do not check chexsystems as far as I know or EWS. They just verify you identity. its a great account. I got my debit card in mail in like 4 days. You can download the app on your phone, and also you can add banks to link and transfer money
  10. I applied an was denied do to EWS and Deluxe detect. I spoke to Loan officer. Anyone who applies online now they Use EWS and Deluxe detect because to much fraud lately
  11. whall1970

    EWS

    I recently saw someone posted a comment for Hawaii Community Credit Union that you do not need to prove affiliation. I have friends that just recently joined July 30, 31, and today August 2nd. They did ask them for proof of joining. The person that posted result just got lucky. My friends were scrutinized how how you heard about us, why join us. what forms of proof you have to join
  12. does anyone know if they use chex or ews? there located in Nevada, Arizona, Texas, NM, South Dakota
  13. my friend wanted me to ask a question. She lives in California but her bank is back in Ohio where she is from, she remote deposited a check for 1250.00 and they made it available to her immediately, so she used it, the check was returned insufficent funds. Since she deposited it on her mobile phone in california but her bank is in Ohio, what could they do to her legally ? I told her they probably close her account and report it. But since she lives in California about the most they can do to her legally is civil action, demand payment, and maybe turn it over to Check Program State Attorney? , but I was reading the remote deposit is hard for them to do much since the bank takes the risk with offering it. any advice for her? she did not do it intentionally, she was suppose to have a direct deposit from her other account but it did not show up
  14. First I do not know if this is new or not, but now if you apply online for a Wells Fargo Regular Checking and you are not approved it will give you option to open the Opportunity Checking online if your qualify for it. I know in past you could only open Opportunity Checking in the branch. I had a Wells Fargo checking account like 4.5 years ago and I messed it up being overdrawn 400.00. So I waited about 4 years to try and open again inside branch, they would open the Opportunity Checking in branch, but would be closed within day, this happened twiced. So I have applied online many times as well and got denied flat out. So I called Wells Fargo today and usually they have a profile of you if you have had an account in past. He had a small profile but my date of birth was missing and my SSN number. I have never ever been approved online with Wells Fargo, but today I said what the heck I applied for the everday checking online and was denied, but it said I was qualified for Opportunity Checking, so I continued the process online, use credit card for 25 dollar deposit and know I can log online to new account, But I am being cautious cause it still may be close. I do have accounts with EWS but my chex is clear. Now Capital One 360 formerly ING DIrect , I had an account with Ing Direct back in 2007 and it was closed due to overdraft. So for few years I been trying to Open a Cap One 360 and denied, I even call Cap One 2 years ago and they said I would not be able to open one . So I took it on myself about 2 weeks ago to call Cap One 360 and try to open on phone, he said I need to update your profile and and transfer you to Security Department to update info as well. Security asked me a few questions and updating my profile, and she said go online and try to apply again. So I did apply again and it was opened instantly. I have had my debit card for about 2 weeks now. so sometimes if you have had an account with a bank and are getting denied, you might want to check out to see if they have a profile one you that needs updated, cause any mismatch of info while trying to open online will get you denied.
  15. does anyone know what debit history from chexsystems means? I was denied an account because of debit history? My chexsystems record is clear of any accounts

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