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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.

2010-10-15 06:23:32
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Where can you get a savings and checking account if you are listed on Chexsystems?

It really depends on where you live as to what your options are. There are nation-wide banks that can help as well. Try Chase - they let me get an account online even though I had on my ChexSystems a "fraud suspicion" from BoA. I have also heard that if you try for a joint account on Wells Fargo's website that you have a pretty good chance of being allowed an account.


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.


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 they can. Many banks run random checks with chexsystems and they will close accounts if the account holder has a negative report


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.


Would any banks open a checking account even though you are on chex systems but the money was paid?

In some states,Wal-mart offers accounts to persons with less than good credit 9even those who have been placed in the Chex system), for as an opening deposit as small as $50. US Bank also offers a "second chance checking" - they acknowledge that you have a mark on chexsystems, but allow you to open an account with them (with certain restrictions)


What bank will allow you to open an account even though you are in the Chex System?

AnswerThere are many banks that will open accounts for those in chexsystems. Your options really depend on the state in which you liveBetter Answerpeoplescashsolutions dot com (Peoples Bank in Paris, TX). This bank will give you a 2nd chance even with having bad credit and being on Chexsystems at the same time.Peoples Cash Solutions will not open an account for those that have "fraud" listed on their chexsystems report, however, "account abuse" is not an issue.


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.


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.


Does poor credit affect getting a checking account?

Not usually. Unless it includes NSF charges. It may affect the terms and charges though, for period of time. Actually, I was turned down for a checking account at Bank of America because my credit was poor, so that is not true. It can effect you getting a checking account. It just depends where. I have to go to a credit union to get an account.


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


What is the interest rate for Suntrust online checking accounts?

I checked the Suntrust site and couldn't find an "online checking account". Suntrust offers a nice discount on loans in other products to its checking account holders though. BankRate.com compiles data involving the major banks and thier interest rates.


How old do can i be to open 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 you open a checking account ar savings account after bankruptcy?

Most banks these days run credit checks to open an account, as well as checking with ChexSystems. It is easier to get an account with a bad credit score than with a negative Chex report. It is recommended that you do not try to open the account over the phone. Otherwise, a secretary runs your social security number thru their computer, and if the score is below a certain level, it just says no. Go into the bank, and talk with the branch or assistant manager. If there was a good reason for the bankruptcy (loss of job, health issues, etc) the manager has the ability to override the computer's answer, though your account will be monitored closely for awhile for NSF activity. If you have been reported to Chex, there are a few banks arund the country that will still open an account, if you're lucky enough to be in their state. You can find these lists on the Internet.


Can you have more than one checking account with the same bank?

With most banks, you are able to have multiple checking accounts at the same institution. The best idea would have to be to check with the bank in question, though. All banks are different.


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.


How much do you need to open a checking account?

Some banks, such as Bank of America, don't require a minimum amount at all. Other restrictions often apply, though.


How do you write out a check for sixty dollars?

The word form is Sixty and 00/100's. First though, you must have money in the checking account and have pre-printed checks.


Risks of accepting cheques?

Over the years of helping people reported to chexsystems, I have seen so so many people and small businness owners wind up in chexsystems because they accepted a personal check that was either bad or considered fraudulent. UNFORTUNATELY BANKS WILL CLOSE YOUR ACCOUNT SO FAST IF YOU DEPOSIT A CHECK THAT DOES NOT CLEAR and they will report it as fraud almost every time EVEN THOUGH IT IS NO FAULT OF YOUR OWN!!! So whether you write checks or not, do not accept checks from ANYONE AND DEPOSIT THEN TO YOUR ACCOUNT unless you know the person extremely well.


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 :(


Will eBay deduct from PayPal account even though you have a zero balance on there resulting a negative count?

You have to give PayPal a credit card number and a checking account number when you register with them. PayPal will charge your credit card if you have a zero balance.


If you are under 18 do you need a parental signature to get a checking account?

Yes, if you are under 18 years of age, you do need a parental signature to get a checking account. The only time this isn't the case is if you are a liberated child, meaning you don't have a guardian. If you are under 18 a parent must sign to be a joint owner of the bank account. Though it is a requirement, not all banks follow this. I opened a bank account by myself when I was 15, and withdraw money regularly without parental consent.


How to Compare Checking Account Services?

To properly function in society today, one financial instrument and service that all people will need is a checking account service. With a checking account service, most people will be able to utilize direct deposit, online banking services and bill pay, and be able to withdraw money though ATMs located throughout their area. While getting a checking account is practically a necessity, most consumers will find that there are dozens of options to choose from. When comparing checking account services, there are several different factors that a consumer needs to take into consideration. One thing that needs to be considered when choosing a checking account service are the services provided through the checking account program. A consumer will need to check with the bank to ensure that the bank will accept direct deposit, allow their customers to use a free online bill pay system, and ensure that the bank has ATM locations scattered across their immediate area. If a customer does not have access to ATMs, they will end up spending a lot of money on ATM fees when they are in need of cash. Another consideration when choosing a checking account service is whether the bank provides customers with a rewards checking account. Many banks today offer customers with rewards checking accounts. These accounts will provide a customer with a certain amount of rewards points for every dollar they spend with their online bill pay or with their debit card. If a customer does have a rewards checking account, they could earn hundreds of dollars per year in cash back or through gift cards to various merchants. When a customer is choosing a checking service, they also need to consider the fees that they will have to pay for the checking account. Accounts with rewards programs and higher interest rates are always higher with consumers, but they end up costing banks more money to service the accounts. To compensate for the costs, most banks will charge customers some form of fee for using the account. The fee can either be a monthly or annual fee, and must be taken into consideration to determine the overall benefit and cost of each checking account available.


Is fiance serious about relationship even though have an engagement ring?

No, she is lying yo you and does not care if you know about it.


Can a debit card be used at any ATM machine?

As long as you have money in your checking account, you are able to use a debit card in an ATM machine. Keep in mind though that you are charge for the transaction.