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mckbulldog02

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  1. I applied online at Heartland FCU for membership. You must live, work, go to school or worship in Miami, Montgomery, Clark and Greene counties in Ohio. My Chexsystems still has a freeze on it. They do offer a second chance account called opportunity checking. When i applied online, i was given my member number instantly ( the savings was the only account opened first ) and able to set up online banking. Then they have a section to open additional accounts. They had the option to pick opportunity checking or simple checking to apply for. I almost chose opportunity checking but selected simple checking. I selected it and clicked open now and it was instantly opened and showing online. I called later in the afternoon and she said my accounts were active and open and once a deposit to checking was a made then i would have a debit card ordered. I was told though you do need to have a certain credit score to have mobile deposits. So im not sure if the checking accounts are credit based or chexsystems based. There is shared branching available as well. If i dont get mobile deposits, thats fine. Theres lots of ways to fund it. you can apply at: https://www.thinkheartland.com/open-an-account/
  2. I made it alot farther with this account then in the past. Its still been open since 07/24/2020. I was able to make a small deposit, write a check, and use debit card. I even got the welcome letter. Usually by now i would be closed by now in the past. Hopefully i can make it a full 60 days.
  3. I used to work in the Payday Loan lending industry and they would use tele-track ( not telecheck ) and they also ran chexsysems sometimes to find any negative information such as account closures and the reasons why it was closed and how many were closed. They also used micro-built to validate a bank account owner and transactions.
  4. US Bank put me on there from a joint account in 2017
  5. I know Bank of America is known for closing accounts a day or two later after opening. I have had 4 Bank of America accounts back in 2006 that went bad and was reported to EWS/Chexsystems. Then I applied about 3 or 4 more times in the past 3 years and was declined. I applied Monday night ( 7/20/20 ) and woke up to an email 7/24/2020 from Bank of America saying i was approved and my account opened. Now since i am still on EWS, will this probably be closed. Im already expecting it to happen. However though, I have Wells Fargo and Ally Bank and Capital One which all use EWS and them accounts have been opened and remained opened for years now while still in EWS. Or, maybe due to covid-19 could there be some leniency or maybe the risk departments working from home and not doing full screenings. Because I mean it took me 5 days to get an answer.
  6. It will remain that way until your credit improves. They are credit score driven. They give you a $500.00 line of credit with the checking account when approved. You have to be approved for that to have the checking. I was approved for everything right off the top with no issues. My score at the time was 632.
  7. I have gotten my chexsystems report more then 1 time a year. This year ( 2020 ) i already requested it 4 times and received it all 4 times.
  8. Im not sure if they use anything. I am on chexsystems and EWS and so is my mother, she was approved as well.
  9. I came across SOFI Money account online and signed up with no issues, Banking portion is through the bancorp bank. https://www.sofi.com/money/. You get paper checks with this account, Deluxe prints them and you can reorder free checks directly from deluxe. You also get a debit mastercard. you are also able to do ACH transactions ( credits and debits ) and can do mobile deposits. I had spoken to a representative from SOFI and she advised this is not a prepaid card or prepaid product. I did get real bank checks and debit card in the mail.
  10. Update as of 04/22/2020: At 5:00PM PST i received an email from First Tech Fed and the business accounts were approved and opened. Took 7-8 days to process the application during the corona pandemic
  11. My ally account is still open. I have my card and checks already from Ally and have been using zelle. I like First Tech FCU as well because they offer Zelle. I am still waiting to have my business account opened at First tech, I emailed the application on 4/15/20. I wonder if First Tech thinks the credit report is frozen and not knowing the difference if its chexsystems or not. When you opened your accounts, was it all before the covid-19 stuff. I opened mine during this pandemic and have had long hold times and they are taking longer to process applications.
  12. Yes... First Tech. I just emailed the business account forms back. Do they send an email once that is approved, or do they call. I have only had the personal account opened 2 days now
  13. I was finally approved today, the Fraud Dept called me to verify my documents because of the issues new accounts was having retrieving and viewing the documents. They advised me all new account holders are under a 90 day limited restriction. Are you able to do mobile deposits, send money using zelle, etc. But yes my account was opened. How long did it take to get the business account opened. I already have application to fill out and send back.
  14. I got another update: They did turn me down, The email said that they were unable to verify my information in the application. I sent them the documents in clear color copy to their email. So i dont know what the issue is. Says to contact Experian. I was able to in the mean time while waiting for approval to get the account, i was able to get one at Park Community Credit Union. They use just a credit report. My score allowed me to get a regular account and not their 2nd chance account. only downfall with that bank, no shared branching or mobile deposits for 6 months. First Tech's application process takes way too long an the hold times take too long. Let me know how the business account opening goes. I cant even get a business account there now since Im not a member. They said I have to be a member already to open the business account.
  15. Now today, I received a secure email asking for a copy of ID front and back, SSN front and back, and copy of utility bill. I sent it back. Does this mean I will be approved or can it still be a no. They did call me today to advise the application wasnt denied as they looked at someone elses by mistake.

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