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Everything posted by mckbulldog02

  1. I know Capital One now uses EWS for on applications. I had my brother freeze his chexsystems and then go to capital one to apply. He applied and was denied due to EWS. I dont think freezing chex is a work around anymore for the ones who are on it.
  2. I don't know if TAB Banks policies have recently changed or not. I applied online for a Business Checking Account around 11/23/19. I never heard nothing, and never followed up. Then on 1/8/20, I got an email from a bank rep requesting a utility bill. I emailed it to her. 4 hours later, I got an email saying i was approved. I was given routing and account number via email. I was able to sign up for online banking. On 1/11/20 I thought what the hell and applied for their personal checking, i was instantly approved. I'm not sure if they use Chexsystems or not. I know back in 2008 they didn't. My Chexsystems is horrible. I have 9 unpaid closures still showing in which was from ID Theft. When i take proper documentation in to open an account at any bank branch, they usually accept that and still open accounts with no issues. But I am not sure if maybe the business account by passed chexsystems, since i would be an " existing customer ". www.tabbank.com
  3. They are moving along alot faster now.. I moved up almost 2,000 spots a day. was at 700,000 in line and now im 406,000 in line
  4. Community Wide FCU- This bank also pulls a credit report. Im not sure what the score has to be. I applied last year and both accounts were opened. I never did get a debit card. I called and they said soon as direct deposit goes in because of my score, they would send one. I did the get the card. I have shared branching, and mobile deposit access as well and mobile banking. anyone can join. https://comwide.com/
  5. I am like 435,236 in line, but you can move up 1000 spots a day by just tapping on the Robinhood debit card picture that tells you your place in line. I literally click it 1000 times a day lol lol.. I was 435, 896 in line at one time.
  6. Try First Commonwealth Bank... They are all over in PA. I live in Ohio and opened my personal account online and my business account in the branch. I am on Chexsystems and EWS both. They also just merged with some Santander branches in PA as well. www.fcbanking.com
  7. The green dot 3% cash back visa debit card comes with checks, its set up as the same platform as gobank.
  8. EWS removes entries 7 years from the date it was reported.
  9. I was able to open an account online. I applied on 6/27/19 and was approved on 07/01/19. My chexsystems is frozen as well. What I did to open it was I changed my Wells Fargo account address to my friends address in Grayslake IL and the Wells statement generated on Friday night and i uploaded the PDF to BCU and they accepted as for proof of eligibility but kept my residence address as my mailing address. But yes everything worked fine.
  10. I was denied for the U2 fresh start account
  11. I was denied today 06/03/2019 due to chexsystems
  12. I didnt know this until today. You can go to any Walmart cashier and tell them you want to add funds to your Woodforest Bank debit card. You tell the cashier to perform an action code 70 and then do a card reload. They swipe your Woodforest Bank debit card, and then hand the cashier the funds and then instantly your funds are available in your Woodforest Bank account. This is convenient if you dont live near a branch and or the branch is closed. This is done in the same manner as would load money on the GOBank or Bluebird type cards. I wonder how many other bank debit cards would work this way.
  13. Im from Ohio as well. What bank was it and what part of Ohio you from
  14. Unity National Bank, the branch in Troy, OH uses EWS. If you apply online, they use chexsystems.
  15. I will be the first one to admit, I have a horrible chexsystems record... I have been in chexsystems since 2006 and still to this day. I had bad business deals and partners go bad through out the years and so now I work solo. I have been able to open accounts while in chexsystems like at Woodforest National Bank, US Bank, 5/3 Bank, PNC Bank. small local credit unions. Most of the banks and the people who work there all know me really well due to the nature of my business and so they are all aware of my past banking and overlook it as I have managed these account for years with no problem. Another option is to try Washington Savings Bank in Lowell, MA as they offer rewards checking and can apply online. another one is Valley Bank of Helena in MT. They have an online application and i did business with them as well with no problem. One or 2 chex entries wont bar u forever from a bank. In fact some only go back 2-3 years.
  16. Depending on where you live, you can check out the list of banks that dont use chexsystems. Some banks will allow you to open an account if you can show proof that a prior debt was paid in full.. The negative reporting does stay on 5 years. You can also ask the reporting bank to update your chexsystems as paid. The only time individual accounts would be affected is if a bank would run a chex sweep, meaning that they would randomly run chexsystems to stay in compliance with federal guidelines. At that time, the bank decide to close the account for prior banking activity. Chase and a few others are known to do that.
  17. Please try www.fcbanking.com as they are overlooking chexsystems records at the moment. You can apply online and would need to fund the account at that time with a credit card/debit card or ACH through another bank account. I have a horrible chexsystems record myself and was able to get 3 accounts with them. They are located in Ohio and Indiana. But another person from Illinois from this forum was able to get an account.
  18. Langley FCU will approve you regardless. If you have a Equifax FICO above a 600 you can get an account with shared branching, debit card, checks, free account, online banking, mobile deposit. and can make ATM deposits at most PNC Banks. However, if the score is below 600, they will still open you one, called an essential account. You will get debit card, checks, mobile/online banking. However, you wont be able to do shared branching, mobile deposits, or initiate ACH transfers from Langley. Join one of their associations and you will be able to join. I been with them since Feb 2018 and i started with an essential account myself, worked my way up to a FICO 600 in April 2018 and they changed my account for me. www.langleyfcu.org First Commonwealth Bank - they have been approving online applications no matter where you live, full fledged account. You can make ATM deposits at US Bank ATMs. Try them as well. www.fcbanking.com
  19. Try some of the bigger banks. I know PNC, Fifth Third , Key , Chase, US Bank, will run only the EIN and not the signer. Woodforest even has a 2nd chance business account. But PNC, Key, and 5/3 may later run EWS on the signer, you will be fine if not on EWS. Another option, right now, First Commonwealth Bank has branches in PA ( dont know how far you are from PA ) but you can open a business account at a branch or a personal account online. Currently, they are not looking at chexsystems reports and just by passing them, they believe everyone should have chance, I have driven miles and days to get an account.
  20. IH does not use chexsystems. They run a credit report.
  21. mckbulldog02


    Membership Requirements: Membership Eligibility Individuals who live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island; and members of their immediate families or household and organizations of such persons. Any business and other legal entities located on Hawaii Island. Immediate family members of a natural person member or potential member may join the credit union even if they do not live, regularly work, worship, attend schools or perform volunteer services on Hawaii Island. When I applied I listed that I volunteered services on the Island of Hilo. The woman who opened the account didn't ask for any sort of proof. I remembered that my brother did go to school on the Island before moving to China. She said since he lived and went school on the Island and although wasn't a member, I could still join because he technically would of qualified for membership. So then she asked me what his school address was, she used that as my physical address and used my actual physical address as my mailing address. She said leave the account open about a month and I would be more then welcome to complete an address change back to my physical home address. She was real nice and more then willing to help me join anyway she could.
  22. I am glad that my post was able to help you out and get the account you needed. I have an update as well, the bank called me today to follow up on if i had any questions regarding the new account. The banker went over hold times and deposit availibility as a new customer and the mobile deposit cut off time is 7:45 PM EST
  23. Update: The ATM deposit was made at 1:12 am and was available in the account at 7:00 am when i logged in to check. So basically it took about 6 hours or less to be available, however, they did charge an ATM fee of $2.50 to make that ATM deposit.

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