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