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Can you add your fiance to your checking account even though he is on the ChexSystems?
Wiki User
∙ 13y ago
There are some banks that will aloow this but generally no. Most banks will run all signers on an account and will not allow you to be added to an account if you have been reported to chexsystems, There are some banks that do not use chexsystems at all and others that offer second chance checking.
Wiki User
∙ 13y ago
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You already have an account with us bank even though you are in chexsystems you want to use a new bank none will take you Does'nt your active account prove anything?
NO, IF A BANK USES CHEXSYSTEMS THEY WILL NOT CONSIDER THAT YOU HAVE AN ACCOUNT AT A BANK ALREADY AS A WAY TO DETERMINE IF THEY WILL OPEN AN ACCOUNT FOR YOU.
Can you start a joint checking account without being married?
Yes, you can open an account with anyone you choose to. Just be careful though! Who ever is the primary on the account (the person listed first on all of the paperwork) will be held responsible if the other joint holder overdrafts the account, and this primary account holder can also be put onto chexsystems do to the joint owner's actions.
Can you open a savings account if you are on ChexSystems?
Opening A Savings AccountGenerally if a bank uses chexsystems, they will use it to open a savings as well. Sometimes a credit union will open a savings account if you are on chexsystems as long as you are eligible for a membership even if they will not open a checking. Some banks and credit unions do not verify savings accounts through chexsystems so it really depends on the bank or credit union .Right now ING direct is an excellent place if you are looking for a savings ONLY. They will not run chexsystems.related question for more helpAre_there_any_banks_that_do_not_use_Telecheck_or_Chexsystems
Would any banks open a checking account even though you are on chex systems but the money was paid?
Yes, some banks may still be willing to open a checking account for individuals who are on ChexSystems but have cleared their outstanding balances. However, this largely depends on the specific policies and discretion of each individual bank. It is advisable to contact different banks and inquire about their specific requirements for opening an account in such circumstances.
If you have a joint checking account with someone and their name showed up on Chex Systems for abuse of account can the banks close the account even though the abuse was before the account was set up?
Yes, it is possible for the bank to close the joint checking account if one account holder's name appears on Chex Systems for account abuse, even if the abuse occurred before the account was established. The bank may consider this as a risk and take action to protect its interests. It is advised to contact the bank directly for clarification and to understand their specific policies in such situations.
Are there banks in NJ that do not use chexsystems?
Unfortunately, there are only a couple. There are other banks though that provide account nationwide so that might help... I've listed links to the lists below.
Is Chexsystems subject to the Fair Credit Reprorting Act rules as other credit reporting agencies?
Yes. Even though Chexsystems focuses on providing one's historical checking and savings activities to commercial banks and credit unions, in 1999 the organization was categorized by the government as a credit reporting agency. Accordingly, they are subject to the Fair Credit Reporting Act.
Why are you in check systems?
A person can be reported to ChexSystems for several reasons including:Maintaining a negative balance for 60 daysMisusing their accountFraudNSF feesOnce reported, your records stay on ChexSytems for up to 7 years and it becomes extremely difficult to open accounts at major banks.SolutionsThe obvious solution is not to be reported in the first place, by maintaining a positive balance and not misusing your bank accounts. If you have already been reported to ChexSystems / Check Systems (ChexSystems is the correct spelling, though it is confusing for some), you have a few options:Open 2nd chance checking accounts with non-major banksOpen accounts with banks that do not use ChexSystems (very few)Use the ChexSystems Removal Kit by IDTheft Pros and remove the reported information.
What banks will approve you even though your in chexsystems in Indianapolis IN?
There are many banks that do not use chexsystems and some that will make exceptions. related question for more information http://wiki.answers.com/Q/Are_there_any_banks_that_do_not_use_Telecheck_or_Chexsystems
How old do you have to be to get a checking account?
Some banks have different policies and procedures for checking accounts and the age at what they can be opened etc. RBC Bank for example in Champions Gate FL can open a checking account for a minor (min age 15 - though usually 16/17yrs) as a sole owner (no one else on the account) though a parent/guardian would need to sign a "parent/guardian indemnification" to allow this. Visa however have requirements that you must be 18 to have a Visa Check Card, though this can be avoided by using an ATM card instead.
Can I set up a bank of america account online?
You can apply for and open a checking account online though the services available will be limited if you never go to a branch. This is an excellent option for those who bank exclusively online.
What happens if a vehicle is insured by you but financed in your fiances name and he passed away in the accident?
Explain to them that you shared the financed "account," and you should receive the money because they car was also your car. Though, sorry to hear about your fiance :(
