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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 ". 



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