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Highly UnlikelyBecause of the Patriot Act, banks and credit unions use your SSN#, ID and the ChexSystems reporting to identify you as a person. The likelihood of finding a non-CS bank or credit union is very slim in this day and age.

My suggestion would be to pay off the owed balance. Most banks will try to work with you if they see the amount owed was paid off. You may not get a debit or ATM card, but at least you can have a checking account or savings account with some banks.. depending on the severity of what was reported.

Yes you would be able to open an account. There are banks and credit unions that do not use chexsystems. Your options depend on where you live.

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Q: If you are moving to a new state and have two past closed accounts one of which is owing will you be able to open an account in the new state?
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