Chex Account

Stuck in ChexSystems?  Tired of throwing away your money on check cashing fees and money orders?  Would you like ATM access to your cash whenever you want?  Or, how about being able to use a debit card at any merchant location that accepts Visa or MasterCard?  If you answered yes to any of these questions, then you’ve come to the right place. We know how it feels to be blacklisted by ChexSystems.  We understand the frustations of being turned down for a new bank account everytime you walk in to a branch.  Not only that, it’s not always safe to carry around large amounts of cash in your wallet.  And, there may be times when you don’t have enough cash to make a purchase at the gas station, restaurant or store - in which case, you can use a debit card. There are many problems that can arise from not having access to a checking account or debit card.  So, what’s the solution?  Well, first off, we need to consider all the options. Here are the 4 options to overcoming ChexSystems:

• Find a Non-ChexSystems Bank.
• Apply for a Prepaid Debit Card.
• Apply for a Second Chance Checking Account.
• Dispute ChexSystems.

Then you need to decide which solution(s) will work for you.  Not everyone is on the same boat, so ask yourself some questions. 

• Do I need or want a bank close to where I live?
• Will the bank turn me down if I also have bad credit?
• Do I really need a checkbook or can I get by with just a debit card?
• What are the features of the account and how much does it cost?
• Is my information accurately reported on ChexSystems?

After considering your options, you can then go through the process of elimination to figure out which bank or service you may qualify for.