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Chex Account

ChexSystems Solutions - Second Chance Checking Banks

Ask for Advice

Here you can ask for advice about ChexSystems. If you have a question, please use the form below to start the discussion.

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29 Comments to “Ask for Advice”

  1. Bullock says:

    All I need is to speak to someone about who is holding me up. Meaning why can’t I open another account

  2. pamelaholmes says:

    can i start a checking account by charging the amount i want to deposit off of my visa card

  3. Deeona says:

    I was reported to CS by my bank in 2004 for circumstances beyond my control. It’s been almost eight years and I still don’t have a bank account because I fear ruining my chances for longer by trying and being denied. How do I find out if I’m still listed without risking a new ping about an old and hopefully forgotten matter? Is it ever 100% safe to try again without restarting the clock?

  4. Alex says:

    I have a question. I was reported by BOA for fradualent activity bc a vendor deposited a 5k chk into my acct that bounced and overdrew the acct. At this time i was going through a business parntership split and wasnt able to cover the balance. They closed my acct and sent it to chexsystems. I paid it off a couple months later and tried to reopen a BOA account in a different state (thats where i was living at the time). I opened it but it was automatically shutdown 3 weeks after bc of that one situation. What advice can you give me to clear this matter? I have a paid in full letter thats about it.

  5. Ari says:

    Hi there,

    US Bank reported me to Chexsystems five years ago. Yesterday was the exact five year date and it was supposed to fall off. I called Chexsystems this morning to verify and the rep told me that yes, it fell off last night at midnight. She also told me my record is now cleared.

    I then went and tried to open a checking account and the woman at the bank told me that Chexsystems denied me because of that US Bank problem.

    So my question is…is there a delay or something? Does it take a couple days from the point of the record falling off at Chexsystems and the bank seeing it?


  6. ILAN says:


  7. Richard says:

    I just recently discovered that I have been in Chexsystems since April 2007. That being said, I contacted my original financial institution and paid-off all of the monies owed them. Is there any way that I can now get out of Chexsystems? Where do I start? It would be nice to have convenient buying power again. Thanks for your help.

  8. mary says:

    if i paid off the bank i owed, will i still be on chexsystem and can i open a account!?!

  9. Mike says:

    I have owned a Wells Fargo checking account since May 2010, and it is in good standing. Over this summer, I opened a BofA account as well, but I was charged-off for a negative balance, and it was reported to ChexSystems as fraud. I opened an account at Chase right after the account was closed, but they cancelled my account as well, even though it was in good standing. Was this due to the Chase account being new, and the negative information from ChexSystems being so recent? Will WF close my account too, even though it has been established for over a year? Please help…

  10. Indra says:

    I was recently overdrafted on a checking account I have paid in full to the bank I had open another account in a different branch they tell me I have a lock on my account I would like the lock taken off my Accounts so I canwrite checks for my bills What do I do

  11. patricia says:

    Has anyone opened an account with ing direct?

  12. ken says:

    hi boa reported me for suspicion of fraud even thought they mailed me a letter stating i found not at fault i lost my wallet with all my info and they deposited checks in my account i had them for 3 yrs and never had a problem til that happened please help

    • admin says:

      Well, if you have evidence from B of A that clears your name, I would get in touch with ChexSystems and send them that proof. If B of A found you not to be liable for the abuse on your account, they should be the one proactively trying to clear your name.

      Unfortunately, the level of customer service in this country has gone down the drain over the past several years, along with the economy.

  13. jason says:

    i recently was reported to chex system from u.s bank on a business checking i went to other banks like credit union or second chance banks that they claim no chex system required i’m sorry to say all these banks are bunch of liars at the mean time i’m stuck with no bank i have 12 employees and merchant credit cards and i don’t know what to do and that report was an honest mistake and my balance with bank is 0 and still shows unpaid

    • admin says:

      Hi Jason,

      Sorry to hear about your situation. Have you tried talking to the manager of the bank of that reported you? If there is a reasonable explanation as to why you were overdrawn on your account, there’s a chance that they may request the removal of your name from ChexSystems.

      The only other option is to file a dispute with ChexSystems, but if the information contained in your file is correct and ChexSystems abides by all the laws, then there is nothing legal you can do to remove your name.

      I would check out some of the banks that are listed on this site to see if you can find a bank that doesn’t use ChexSystems.

      Good luck!

  14. ellie says:

    How do I find out whether I am on chexsystems without going to a bank and trying to set-up an account. I would like to avoid the embarassment If I am. BOA closed an account of mine a couple of years ago. I would like to request a report from them.

  15. LaFondria says:

    I would like to know how can I go about getting my name cleared so that I can get and keep an account open. I just recently opened an account with Bank of America and I had it for about 3 weeks, then all of a sudden it was closed without my knowledge. When I went to the bank to find out what was going on I was told it was because of my chexsystems report. I do not know what to do. Please give me some advice.

    • admin says:

      Hi LaFondria,

      Unfortunately, some banks occasionally run ChexSystems on their existing customers to see who has a ChexSystems record. I’m not sure why they opened your account in the first place if they ran an initial report.

      At this point, if you’re set on clearing your name from ChexSystems, you have 2 options:

      1. Contact the bank that reported you and see if they’re willing to remove your name for you.

      2. File a dispute with ChexSystems.

      Odds are against you for either option. If you are unsuccessful with these 2 options, you have no choice but to settle for a bank that does not use ChexSystems or find a bank that offers Second Chance Checking.

      • Problems says:

        I tried contacting original bank. Not sure if any body follows these posts or not but their is evidence on both the Credit Debit report, and from the original bank that filed the complaint or whatever it is that I owe nothing. But the manager of the original bank tells me that I still cannot do anything to get off of chexsystems. So I owe nothing, paid it all of years ago, but still cannot get a bank account for a couple MORE years. Can you explain why admin?

    • Shay says:

      Based on my experience with Bank of America: All results are different. I have a account with them and been paid off. But still shows on chexsystem that it is still open. I went to the bank to get a copy of the paid off receipt. They mailed it to me and mailed it to chexsystem and it still show that it not paid off. But if you decide to go into a bank that uses chexsystem and you have already paid off that amount. You can always take in your receipt showing that it is paid off and The bank “may possibly” open an account for you. If the rep can’t do it, talk with an branch manager. But keep in mind it up the the discretion of the bank. There are second chance banking, so you may have to go that route.

  16. Jeremy says:

    Any advice for being put into a situation where you have been reported to ChexSystems because you were either physically unable or mentally unfit to close an account/stop automatic payments/etc. Such as being committed to a hospital for debilitating injury or severe mental failure, or time spent in jail with unreliable phones/directories etc.

    • admin says:

      If you were reported due to a situation beyond your control, I would advise you to talk to the branch manager of the bank that reported you. Explain to them your situation. Branch managers have the authority to remove you from ChexSystems, so being honest with them may help your case.

    • Christiana says:

      I was so confused about what to buy, but this makes it undestradnalbe.

  17. maryanne says:

    i would like to know how my name can be removed from your systems. so i can open up an account. apprently i was trying to open up an account with another bank and upon opening up the account. i was told that i was put through a collection agency. i believe tha it was bank of america that put me through a collection agency. i have paid that account in full along time ago and i would like to have my name cleared so i can pay my medical bills on time.

  18. Noel Brown says:

    How do I obtain my Chex Systems report?

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