| No discussion of Chex-Systems would be complete | | | | non-payment. non chexsystems banks online Apply |
| without accompanying information on | | | | today for a bank account tomorrow non |
| Chex-Systems-Removal. | | | | chexsystems banks are few and far between, but |
| Please be aware that ALL of our ChexSystems | | | | they are out there. |
| information (including non-chexsystems banks and | | | | We have compiled a current (as of 2006) list of |
| online banks) is totally FREE. We do not charge for | | | | banks online that either overlook ChexSystems |
| this information like other sites do. It is all FREE for | | | | information or simply do not care about your past |
| your use. Tell your friends about it. | | | | checking history. |
| Also, newly added is a Brand New source that has a | | | | Online banks are nearly as convenient as a local bank, |
| 100% approval rating [if you meet the simple criteria] | | | | especially if you have Direct Deposit. With most |
| and you can now have a real checking account, Even | | | | online non chexsystems banks, you also receive a |
| if you are currently in ChexSystems! | | | | VISA or MasterCard ATM/Check Card. These debit |
| ChexSystems is a network that is made up of | | | | cards can be used to get cash from ATMs and to |
| member banks and credit unions that contribute | | | | make purchases. You can even avoid ATM |
| information to a central location concerning negative | | | | transaction fees by using the card to get cash back |
| information on checking and savings accounts. This | | | | at U.S. Post Offices, grocery stores, and many other |
| information is shared among the member banks and | | | | retailers. |
| credit unions to warn them of bad check writers. | | | | If you apply to one of these online banks and are |
| ChexSystems neither approves nor disapproves new | | | | rejected for a checking or savings account because |
| accounts. These decisions are entirely up to the | | | | of a ChexSystems mark, please let us know |
| member bank or credit union. They are also licensed | | | | immediately so that we may update our current |
| as a debt collection service to members that | | | | listing. |
| participate in their service. Members report the names | | | | In a nutshell, you can either scour the website for |
| and addresses of account holders whose accounts | | | | non chexsystems banks or apply online for an |
| have remained unpaid. Every report that is submitted | | | | account; unfortunately, these banks change their |
| to them remains on file for at least 5 years, unless | | | | regulations frequently. The second method would be |
| the source of the information requests that it be | | | | to apply for a real bank account and ATM card with |
| removed or Chex-Systems becomes obligated to | | | | a non chexsytems bank and be done with it. This |
| remove it under applicable law. A reporting member is | | | | way, you save time and effort and are guaranteed |
| under no obligation whatsoever to remove an | | | | to get your checking account. |
| accurate report of account overdraft and/or | | | | |