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. Hopefully this information can help answer your question. As far as banks that dont use ChexSystems, it is becoming very difficult to find because of the weakened economy.

Since banks are already doing bad because of the real estate issue, they are becoming even more strict on opening accounts for people on chexsystems because it creates another risk if the person overdrafts a lot, owing the bank money. Banks dont make money off checking accounts, that is why they use chexsystems in the first place. it is also why they make you keep a minimal amount in your account.

If you are looking fro an alternative bank account i would suggest using a prepaid debit card account. There are many prepaid card companies to choose from and they all provide the same basic features of a checking account, such as: debit cards to make purchases & withdraw cash, a place to safely store your money, direct deposit, online bill pay, online account access, most prepaid card accounts are FDIC insured and some even give interest on the money you have in your account.

If you are thinking about using a prepaid card account, i would suggest AccountNow, or you can use a prepaid card comparison site like www.prepaid101.com.

If you are looking for more information on ChexSystems or other money advice and tips, visit Money 411 for more informtion: www.accountnow.com/resources/

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Q: Are there any Il banks that do not use chexsystems?
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