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mckbulldog02

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  1. Normally, we say wait until 2 statement cycles or 60 days but I havent had any issues with Capital One and I have been opened for almost 5 years now
  2. BBVA will only close you if you have a mobile deposit that returns unpaid or a failed bank transfer. BBVA closed me for a failed bank to bank transfer as I had the routing number incorrect. It was off by one number. They also use EWS. Capital One uses EWS now and not chexystems.
  3. This Credit Union FIREFIGHTERS & CO FCU uses Transunion credit report to open an account. You will want to call Shannon at 937-228-1614 and schedule an appointment as the lobby is closed for remodeling. She will meet you in the parking lot and open your accounts. She said everyone is approved and depending on your " credit score " will determine your debit card purchase and withdraw limits. You must live, work, worship or go to school in Miami, Greene, Montgomery Counties in Ohio. Below is the website. https://www.ffcocu.org/
  4. I owed Bank of America for some accounts back in 2006. I applied online 7/17/20 and it said my application was in process. On 07/24/2020 i got an email saying i was approved. I have been opened since then. I can still log in daily, i got my debit card, set up zelle, and checks. I havent funded it big money yet because I want to see what they are going to do. Im too afraid to apply for any other accounts and be denied and then they close this one. But I applied at BOA in like 2016 and 2018 and was instantly denied without reason. I have my chexsystems froze and I am still waiting for EWS to give me my report so I can see whats on it. But EWS is hard to deal with and they think they are above Consumer Reporting Agency laws.
  5. So far my accounts are still open, debit card was ordered and checks were ordered. They did pull Transunion credit report at account opening
  6. I have a discover bank checking account that has been open for 5 years that I am just a joint holder on. I found out that they only run chexystems on the primary account holder at the time of approval. I just applied today ( 8/9/2020 ) and was approved on my own, with a chexsystems freeze and multiple un paid debts from 2017-2018 time frame.
  7. 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/
  8. 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.
  9. 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.
  10. US Bank put me on there from a joint account in 2017
  11. 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.
  12. 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.
  13. 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.
  14. Im not sure if they use anything. I am on chexsystems and EWS and so is my mother, she was approved as well.
  15. 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.

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