Jump to content

Sign in to follow this  
chz

ChexSystem Completely Clean // One Major Ding On EWS

Recommended Posts

Where can I open a bank account? I only have 6 inquiries on my ChexSystem and that's it. I have had an account close with Wells Fargo with a negative 700 balance but they report to EWS only. I opened an account with Citi but haven't heard back and it's been 3-4 days. I also need to open a business checking. What would my best route be here in California?

Share this post


Link to post
Share on other sites

Just verified I have a few closed accounts on EWS reported as well. They were for inactivity. If I owe them anything, I owe them less than $30. One of the accounts Chase was closed while I was stuck in a hospital and it overdrafted by $27.

Share this post


Link to post
Share on other sites

Any experience with these banks or credit unions?

They require a clean Chex record - or one with entries 36 months or older.

 

Banks

Union Bank (branch in Galt. CA)

uboc.com

 

First Northern Bank (branch in or near San Francisco)

thatsmybank.com

 

Credit Unions

**Shared branches are one of the benefits of credit union accounts.

You open the account at a main branch, but use neighboring affiliates in close proximity.

 

(All Bay area CUs that use Chex - but offer Savings Only or second chance accounts)

 

Bayfed.com

Heritageccu.com

http://www.antiochcommfcu.org

Silveradocu.com

Unitedhealthcu.org

 

**Because banks change and modify policies, visit their website and call before applying.

Verify what they use to offset adding a bunch of inquiries to your Chex report.

Edited by tmcgill

Share this post


Link to post
Share on other sites

Looks like Citi is about to finish opening my account. Just faxed them driver license and bank statement. They don't use EWS? Will I be able to open my business checking here?

Share this post


Link to post
Share on other sites

If the business has no negatives in Chexsystems, and if you have your DBA, LLC or other required papers, you should be able to.
(You mentioned your personal Chex file is clear)

Share this post


Link to post
Share on other sites

Yeah. It's a startup and has no record at all whatsoever. I think they run your personal credit in some cases, and in most cases ChexSystems and EWS depending on the bank of course. We're going to incorporate in January as a C corporation in Delaware so everything is legitimate.

Edited by chz

Share this post


Link to post
Share on other sites

Just a Reminder:

 

1. Keep one or more backup accounts.

2. Never keep your funds in one banking institution.

3. Check account activity daily, and review monthly statements.

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

    1. PAFICO
      PAFICO
      Age: 63
  • Member Statistics

    • Total Members
      177,772
    • Most Online
      1,528

    Newest Member
    valentiinemon
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines