First Convenience Bank - They are all over Texas, usually in grocery store. They don't use Chex System. Also, Woodforest National Bank offers second chance checking and are very friendly Austino TELCO Credit Union offers a 2nd chance checking and they're very nice folks. Wells Fargo also offers one as well.
I cannot find one myself.
Are there banks that do not use the chexsystem or telecheck in new jersey or philadelphia?
Many small banks, such as credit unions, do not use Chex systems. This is a system which many banks are attached to that let them look up a person's past accounts.
Negative entries on Chex System remain for 5 years from the time of reporting.
It depends on the bank ..many banks will only run the LLC or Corp name through chexsystems and not the signers. Other banks may not use chexsystems at all
Yes it is under the FCRA
Yes, Chex Systems is in Canada. It is owned and operated by Fidelity National Information Services. They provide information about deposit accounts.
Yes there is TCF and Fifth Third. I am sure there are others but these are the two that I use.
Chex Systems Bites is a great site for a listing of banks where you can open a checking account with bad credit. They also have information on how the Chex System works and give recommendations on different banks. You can find the website at http://chexsys.tripod.com/goodbanks.html. Many, if not most banks, do not check your credit for a simple checking account. What they do check is if you've defaulted on a checking account at another bank. If another bank has reported you (rightly or wrongly) you will have a hard time getting an account.