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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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EWS, Telecheck and FICO Score Reminder

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Lots of sites popping up with "non-Chexsystems" and "second chance banking". Keep in mind that some of those posted banks will run Early Warning Services, Telecheck or get a FICO score before they approve. Also, banks often change their approval systems if they have gotten a lot of checking charge-off accounts.


Checking accounts are used to acquire new customers they can offer other profitable services to: Mortgage Loans, Auto Financing, Savings, Investments, etc.


Remember our periodic reminder to keep backup systems in place. An account freeze or lock can occur even if your Chex file is clear.

Don't put all of your funds in a single bank. Keep savings and emergency funds in a bank strictly for that purpose. I also separate household bills and point-of-sales purchases in different accounts. If fraud occurs from an in-person transaction, it won't affect my monthly bill payments.


(I use Google Wallet to transfer funds between accounts. It is a free service intended for occassional, non-business transactions. I've found it easier to use without all the security glitches I experienced with Paypal.)


Possible Freeze or Closure Triggers:

1. Loss prevention determines some of your debit card charges violate the account agreement. (On-site gambling transactions, etc.)

2. You deposit checks from another bank they've experienced a high volume of fraud with.

3. EWS or Chex sends them a new alert about your information.

4. Your banking patterns change; large deposits, possible check kiting patterns, suspect transactions.

Edited by tmcgill

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