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Commercial Bank and Checking Accounts

Can you add your fiance to your checking account even though he is on the ChexSystems?


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Wiki User
2010-10-15 06:23:32
2010-10-15 06:23:32

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.

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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.

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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.

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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.

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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)


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