Free List of Non ChexSystems Banks
About 85% of all banks in the US use ChexSystems to verify new bank accounts. The following is a list of banks that do not use ChexSystems. If you would like to suggest a bank that is not listed here, please use the comment form below.
| Bank | Location | Website |
|---|---|---|
| Access National Bank | Virginia | www.accessnationalbank.com |
| Apple Creek Banking Company | Ohio | N/A |
| Armed Forces Bank (military) | Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Kansas, Kentucky, Missouri, Nevada, New Jersey, North Dakota, Texas, Virginia, Washington, Wyoming | www.afbank.com |
| Bank of Gueydan | Louisiana | N/A |
| Bank of Nashville | Tennessee | www.bankofnashville.com |
| Bank of Pensacola | Florida | www.bankofpensacola.com |
| Boone County National Bank | Missouri | www.boonebank.com |
| Capital City Bank | Alabama, Florida, Georgia | www.ccbg.com |
| Chester National Bank | Illinois, Missouri | www.chesternationalbank.com |
| Citizens State Bank | Michigan | www.mycommunitybank.com |
| City National Bank & Trust | Oklahoma | www.cnbok.com |
| Community Bank & Trust | Oklahoma | www.banktulsa.com |
| Elizabethton Federal Savings Bank | Tennessee | www.elizfed.com |
| Elk Horn Bank & Trust | Arkansas | www.ehbt.com |
| Equitable Savings and Loan | Colorado | www.equitable-savings.com |
| First Convenience Bank | Texas | www.1stcb.com |
| First Internet Bank of Indiana | Indiana | www.firstib.com |
| First State Bank | Michigan | www.thefsb.com |
| First State Bank | Kansas | www.fsbkcks.com |
| First State Bank of Mendota | Illinois | www.fsbmendota.com |
| First United Bank | Colorado | www.1stunitedbank.com |
| Fort Sill National Bank (military) | California, Delaware, North Carolina, Oklahoma, South Carolina, Tennessee, Texas | www.fsnb.com |
| Fremont National Bank & Trust | Nebraska | www.fremontnational.com |
| Glenview State Bank | Illinois | www.gsb.com |
| Greenville National Bank | Ohio | www.greenvillenationalbank.com |
| ING Direct | Online - Nationwide | www.ingdirect.com |
| Kevil Bank | Kentucky | N/A |
| Keystone Savings Bank | Iowa | www.keystonesavings.com |
| Keywest Bank | Florida | www.keywest-bank.com |
| Marketplace Bank | Florida | N/A |
| Merchants Bank | Alabama | www.merchantsbk.com |
| Old Florida Bank | Florida | www.oldflbank.com |
| Omega Bank | Pennsylvania | www.omegafinancial.com |
| Peoples Trust & Savings Bank | Iowa | www.ptsbank.com |
| Prosperity Bank | Florida | www.prosperitybank.com |
| Regions Bank | Alabama, Arkansas, Florida, Georgia, Iowa, Illinois, Indiana, Kentucky, Louisiana, Missouri, Mississippi, North Carolina, South Carolina, Tennessee, Texas, Virginia | www.regions.com |
| Renasant Bank | Alabama, Mississippi, Tennessee | www.renasantbank.com |
| Savings Institute | Connecticut | www.savingsinstitute.com |
| Security Bank of Southwest Missouri | Missouri | N/A |
| Suntrust Bank | Alabama, Arkansas, District of Columbia, Florida, Georgia, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia | www.suntrust.com |
| TCF Bank | Arizona, Colorado, Illinois, Indiana, Michigan, Minnesota, Wisconsin | www.tcfexpress.com |
| Teche Federal Bank | Louisiana | www.teche.com |
| The Farmers State Bank | Ohio | www.thefarmersstatebank.com |
| Univest | Pennsylvania | www.univest.net |
| USAA (military) | Arizona, California, Colorado, Florida, Nevada, Texas, Virginia | www.usaa.com |
| Valley State Bank | Kansas | www.valleystatebank.com |
| Wayne County Bank | Tennessee | www.waynecountybank.com |
(19 votes, 4.16 / 5)
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(4.45 / 5)
BBT does use Chex Systems, you may need to update this listing.
Steph,
Thanks for the heads up. I checked with other sources, and I think you may be right. I’ve removed BB&T from the list.
i know BB&T they will not get me account even if i appy online.. They do use chexsystem
First Citizens Bank was removed from the list because they are using ChexSystems.
Amcore Bank was removed from the list because they are using ChexSystems.
Woodforest reports to chexsystems.
woodforest has 2nd chance checking for 9.95 mo or with direct deposit 7.95
Yes, they do offer a second chance checking, but they won’t let you open an account if you are on chexsystems. Just tried a week ago.
I managed to get one w/ WoodForest & not the 2nd chance Banking. However now they have started charging customers $5.95 a month if your account falls below $100.00.
Could someone suggest a bank on this lists which enables
business accounts with checking priveleges
Trustco uses chexsystems. Take off the list
US Bank does use Chexsystems.
USBank In-Store branches can only see back 3 years on your chex report.
USBank only checks your chexsystems to see what services they can offer you.
Most all in Chex are given immediate accounts except for Fraud entries or if you owe USBank.
In-Store branches are the most lenient – (per my USBank Manager).
I currently owe Us bank. If I pay it off will I be able to open another account?
Suntrust uses Chexsystems, as wells as a credit verification.
suntrust does not use chexsystem, i applied online and had no problems. my husband and i are both on chexsystem
no they didn’t use cheksystems but they used something else that had me listed from my previous bank from 2 yrs ago
Suntrust does not use chexsystems, I got an account with them after being denied from ALL banks around me, my account has been open for about 5 months now…i applied online.
I guess the key here is to apply online.
All of your messages were great. I was able to use Suntrust.
They give me a account and i appy online but they found out that i had a account when they were CCB. They closed all my accounts out and sent me a check for all of the bal. i had in all my account. I found been with regions for amost a year with 3 accounts. They have been the BEST BANK i have ever deal with, I found this web site and it lead me to open a account at Regions. Now i am going to local banks to appy for a new account. To see if they use chexsystems so i can help people in the area of GREENVILLE,SC by adding, what i know to this website. Because We Americans like to not pay for cashing a check that we have worked for!!! Or paying for a account because we got robbed by the bank of over draft fees. SO HELP TO ADD INFO AND TELL PEOPLE ABOUT THIS WEBSITE!!
Ally uses Chexsystems. Please take them off the list. Thank you.
Regions Bank, may not use Chexststems but they do have other ways of finding out
They do report to it because they are on my report. I called them just now and was told if I come in and pay my debit they will open me a new account with checks and a debit card.
Citizens Bank Uses Chex Systems.
First state bank of Michigan says ‘they do not use chex systems” but they do use credit reports to verify that you don’t owe their bank. I am going to try it out today and I will post any updates.
Best Bank does not use chexsystems and they offer a large variety of services.
Are their any banks in California, besides the military ones on the list that do not use check systems?
Regions do not use check systems, but they will require you to pay them if it is them that you owe. Another one that do not use check systems is Bank of America.
I am quite certain that Bank of America uses ChexSystems, but not sure about Regions.
Regions gave me a account and i have 6 banks on my chexsystem report
Oh Bank of America definitely uses ChexSystems. Not only do they deny accounts based on that but they love to report you to them as well, especially when the item in question is fraudulent and you are fighting the charges.
Bank of America does use chexsystems however, if you apply online most everyone gets approved. I’m on chexsystems & Bank of America opened both a Checking & Savings account for me in May of 2009. I haven’t had any problems with them and it’s been almost a year since the accounts were opened.
absolutlely!!!!! Bank of America uses chex-Systems…
BANK OF AMERICA USES CHECKSYSTEMS THEY ARE THE ONES THAT PUT ME ON THAT LIST
BOA uses chexsystems they would not open an account for me yesterday becuase of this.
I know this from experience, but I have recently switched to Wachovia aka/Wells Fargo and I have been with them since June 2009 and was in check systems at the time. The strange thing is that I applied on line, they called me the next business day for verification and I went to the branch to make my deposits. I was have been with Bank of America and they were great, but I did not like the convenience of not being able to actually go into a branch which is something to consider when opening accounts that are online only. Plus, although I could use any ATM to get funds, I was charged by that branch, but not by Bank of America because there are not branches within a 100 miles of here. I would rather be able to go inside a branch to speak with a representative if I had a problems. But that’s still okay if you need a checking and cannot get one the traditional way.
Palmetto Bank in SC give me a account and i am on chexsystems
I just checked with Palmetto Bank, and the customer rep did confirm that they use ChexSystems to verify new accounts.
Here’s what she said: “Thank you for your email request. We do utilize Chex Systems before opening deposit accounts. If you are interested in completing a request for a checking account we offer several options.”
I’m guessing they open accounts on a case-by-case basis.
Carolina first uses telecheck wich is a credit check
just to let everyone know firstfederal of NC is useing teletrek and need to be removed from list.
the reason i know that I’m moving from Phoenix Az called to set up account and they said they are useing teletrek / check systems
You might want to try using HSBC, they are from New York, but I opened an online savings account, an then opened a checking account over the phone…… Both times I was approved. Im not sure however if it was because I had a credit card with them tho. It’s worth a shot!
I opend both online accounts and got checks with one and i am in chexsytems so i’m not sure how they do things
I just got a account with SunTrust and i am in ChexSystem. I am so relieved!!!!
THANKS your comments were true and they helped me just got an account with bank of america.
Thanks SO much! Just opened a savings AND checking account with Suntrust online!!I’m on chexsystems and have filed bankruptcy I didn’t think I’d ever be able to get back on track again!!
I would like to open a checking account in Atlanta GA anywhere near zip code 30317
I was put on check systems by error and I find it hard to remove it. I am 67 retired and receive social security each month on a Mastercard.
I would like to make automatic payments from my income into a new checking account.
Can you help me?
Yours very truly,
Victor
Regions gave me a account and i have 6 banks on my chexsystem report they have 7 branchs in atlanta Ga My direct deposit go in my account so, i got it right there on a visa card when i need it. The staff is very friendly i am gald i found Regions bank.
Yes! I have a new account! Regions uses Equifax to verify for accounts not chexsystems. Thanks to everyone for their info. Reading here saved me a lot of time and trouble.
Sun Trust Bank worked for me!!! Thanks
SunTrust also came through for me…. I applied online.
I have one bank on Chex… so I’m hoping they don’t shut me down later! Thanks for the info!
They found out somehow about my chexsystems and closed my account.
Hey, I just applied with Suntrust and was approved with no problem.
univest in Pennsylvania uses chexsystems. just applied for checking account and got denied.
Successfully opened an account with Regions. Process was very easy.
How long did it take for you to recieve your check card from Regions??, I just opened my account today and im on chex 6 times by the way…
It will be in about 3-4 weeks
Thanks for all your comments. Just opened an account with regions. So relieved.
REGIONS IS AWESOME.. Just opened a new account with NO PROBLEMS!
.
Thank you so much!!! Just opened an account with Regions bank! I had been searching all day for a bank to open a checking account for me after being in the chexsystem for 2-3 banks. I am soooooooooo glad I found this site!! I love it!!! & I LOVEEEEE REGIONS BANK!!!!
THANKS AGAIN EVERYONE!!!
If you are looking to open a business checking acct. fifth third bank will not run chex systems on business checking only!!!! If you apply for a personal checking or savings they will run it through chex systems. The process is very easy the minimum initial deposit is only $100 and after that there is no minimum and its absolutely free. Go to http://www.53.com. They wont tell you about the business checking in regards to chex systems but I have done it for 3 different businesses online and walking in the branch
Hi Cody,
What are the requirments to open a business account? I live in CA and have been denied by Chase, Wells Fargo, US Bank in store location. I owed $300 to Wells Fargo and $700 to BofA which has left a bad mark. I never knew this could happen and do not know what to do.
The only requirements are to be registered with the state whether it be a ficticious name, incorporated or whatever. When you open the account they will ask to see whats called an ss-4 form from the IRS. If you dont have one you can contact them and they will fax it over to you the same day free of charge. I dont have the number to call but if you go to http://www.irs.gov, they should be the info you need to contact them by phone to get that form.
If you dont have a tax id, you can get one for free on that website which is also free, after they give you the tax id they will also give you the ss-4 page that you need at the end of the process. Make sure you print it out because they wont give you another one unless like i said you call them up and have them mail you one or fax it. I know this might sound a little complicated, but its really not that hard, or at least in Florida where I’m at.
You can always call fifth 3rd bank and they will tell you exactly what you need as well. What type of business are you in? Are you incorporated with the state? Let me know if i can help you out in any other way because if they wont do it in California you can always register in Florida…..just an idea….let me know if that works out for you and if you have any questions.
Cody Hanick
Readersrenewalcorp@gmail.com
I have fraud reported on my chexsystems report and need to open a business checking account for a new business I have started. I live in California and most banks require you to be in the same state as the back. US bank and Union bank will not help due the the “fraud”. Has anyone had any luck in California when they had fraud on their account? Also, this needs to be a business checking and not a personal. Thank you.
I LIVE IS MASSACHUSETTS AND GOT TURNED DOWN BY ALMOST EVERY BANK….PLEASE HELP….
Hi Gigi
I am in the same position and guess what I just opened and account with SUNTRUST BANK . TRY IT !!! I AM CLOSING MY BANK OF AMERICA TODAY ..
If you have any chexsytems issues I would highly recommend to open an account with TCF. Very nice staff and they answer all of your questions. If you are not close to a branch I would suggest to call there toll free number that’s on there website.
Good Luck
are there any banks in south jersey thats dont use check systems
I see that People Bank of Texas AKA Peoples Cash Solutions opens a new account for chex systems people and no credit check.
They do not open an account if you have a fraud report on chexsystems
I have two banks on my chexsystems report.
Plus bad credit and suntrust just gave me
checking and savings accts. at a branch. Thank
you very much for this site!
hi i just got an account with suntrust bank! thank you.
I had an identity theft and someone obtained unauthorized access to my JP Morgan Chase account. Chase then froze the account and then closed it without providing an explanation. When I received the chexsystems report, it said “suspected fraud activity”. I am currently requesting chexsystems to investigate the Chase report which chexsystems has started. I also reported Chase to OCC, the federal body that oversees NA banks. If you get invalid and/or problematic reports from a bank, and you don’t owe any money, start fighting it. Big Banks do whatever they want to. I too got denied applications because of the “suspected fraud activity” statement. I do not own any money and still don’t know who got my personal information. Law enforcement has been notified.
Armed Forces Bank does not use chexsystems and you do not have to be in the military to join them.
On their website it says you have to go to a branch. Do you know if you need anything more than your ID and a deposit to open an account?
Wow!!! Just got approved for a checking account with Regions…I am so happy. I have been without an account for 4 yrs. Thanks to this site, I finally have what I need. Regions is great. Thanks
Bank of America will open accounts for you if you are chexsystem but they must be open online. Their standard policy is to order approval the application and it may take a few days but will approve it. They will contact you to verify your information then, the account will open.
Bank of amer. Put me in chexsystem for “fraud”, which I paid them.
I opened acct with suntrust last week they closed it within a week
Later stating EWS reported me. Because of boa I can not find a bank
Anywhere,
Do anyone have any suggestions
In atlanta by the way
also I had acct with chase owe them 100, went to pay it to see if they would grant me another
But they state I’m in chexsystem and they can not
do you have proof that you paid the bank? most banks will open the account for you if you have proof you paid.
Thanks so much for this website. I am in chexsystem and I opened an account with SunTrust today! Going to the bank to make my deposits. Never knew I could get another account again!!!
Were you able to make the deposit on site with no problem?
I would like to know if they do any additional qualifing after you go into the location?
Thanks
i live in california , and i really need a check account since i got in chexsystem, anyone has any ideas ?
I have a fraud amount of $900 overdrawn at Regions but they want me to make a deposit to bring positive amount. I was starting deposits on Monday every 2 weeks until it was a positive amount, but they said after 60 days it is automatically closed and reported to cheksystems. I will not have this paid off in 60 days if i can only deposit biweekly. Neither do i want to make deposits if it will close since it’s like wasting money. I’m not concerned about opening an account because I have another account with Regions, as well as an account with Community Bank. I am concerned and wondering if this affects my credit in any way, or is it just for banking purposes.
Also looking to refinance in a few months, so I really don’t need anything negative on my credit. Please help.
does anyone know if suntrust does any extra qualifying at the bank if you apply online, or can you just apply online and then make your deposit at the bank with no problem?
You can apply online and make your deposit at the branch, I ‘m starting to think all of these people opening suntrust accounts, they may get hipped. LOL
I applied for FSNB and they turned me down due to my credit report. Wachovia said me credit report was fine, but the fraud of $5000 with BofA disqualified me.
I owe Suntrust, and Regions any other banks I can try? I live in South Florida
If you are on chexsystems by error or have been reported by a bank that reported an invalid report, please fight it. I did and chexsystems finally removed the invalid report. They’re obligated to remove the report if it is incorrect. If you owe money, pay it ASAP and take on chexsystem and/or the bank. The banks can’t report invalid information. Good luck to all of you who are fighting invalid reports.
Best Bank also uses chexsystems…..
I am looking to open a business account in the chicago area and am on chexsystems both for personal and business accounts back in 2005 from TCF bank
I have chase, bank of america, and some other major U.S. banks, what is the best route for me to take…
which bank?
online or in store?
i have a U.S. incorporation
thanks
Okay, so SunTrust doesn’t use ChexSystems. Does anybody know what they do use? Telecheck? EWS? Also, somebody said that Bank of America not only reports to ChexSystems but reports to EWS. Is that true?
Because I’ve got a couple of recent overdraft charge off entries on my ChexSystems report from Bank of America and I do not want that to interfere with my future relationship with my recently opened SunTrust account.
What is EWS?
EWS (Early Warning System) is owned by B of A, Wachovia, BB&T and 2 other banks. Most of the banks that don’t use ChexSystems use EWS. If you are on ChexSystems, 99% of the time, you will be on EWS. I went to Regions and opened an account just fine. Within 1.5 weeks 2x they sent me a letter stating my account was frozen. It was because of an old B of A account that went bad due to me accepting a bad check from what I thought was a friend. I paid the money and they still have me on EWS. EWS is a nightmare.
Centrue Bank in Fairview Heights Illinois DOES USE Chexsystems. I just attempted to get an account today (April 8, 2010) and they did a Chexsystems search. Thanks.
Please recommend a bank in Atlanta that will allow you to open a 2nd chance business account if there are any…thanks.
I Also have a “Fraud” Reporting from BOA after pulling my money out and closing the account. I was Also approved for Regions and then the later closed the account in 2 weeks. Are there any bank accounts in South Florida (Miami Area) where i can open an account. I am so frustrated with using pre-paid cards!!
Everbank uses chexsystems
Do you know what First Internet Bank of Indiana uses to verify new accounts?
BofA appears to be using chexsystems even for online aps again. Suntrust and Regions looking good for non-chex pulling banks.
Both Chase & Wachovia/Wells Fargo have 2nd chance checking. Chase calls it an access checking account. Wells Fargo calls it an opportunity checking account. You will have to go into the branch to sign up thou.
This was a lifesaver,if only i’d knew before i would not have lost a $20,000 sale.But thanks so much.I was able to open a business checking at sun trust in NC,and i am on chexsystems.God Bless
I live in washington state and I need bank around here please help!
Cindy, I too live in WA state. Try a credit union, but most will use chexsystems. So will all the banks in WA. The best bet is to try to have the negative report removed from chexsystem. If you don’t owe anything and contact them with supporting documentation, they may remove it. They did for my sister. Good luck
Most US Bank’s will open an account for you, as long as you go to the branch. If you apply online they do use chexsystems.
Happy banking
still looking for a bank in the Chicago area that will let me open a business account
I just tried suntrust and it worked even though i said that before they found out about my chexstystems and closed my account so keep my fingers crossed
I have a charge off with bank of america it is on chexsystems. The account is very old 2005. almost time for it to come off. Anyhow, I took a chance and applied online with Bank of america…worth a shot because everyone kept telling me they no longer use chexsystems and what I owed them was sold to another company. Anyhow..I was approved..checks came in the mail and my hello kitty check card. No problems. Also, My brother has an acct with navy federal. They approve anyine who is eligible..sibling, parent, spouse..etc..I applied online paid my $5deposit and have had no issues. Navy fed approves, and does not use telecheck or chexsystems. They place no hold on checks deposited either..NICE!
I just opened an account with USAA online and everything went well. I joined as a member (free) and was able to openned a checking and savings account. I also ordered checks for free.
We’ll see if they dont close it in a week or two just like bofA and Chase did.
Bank Caroline is Carolina First now Need to be removed off the list
HSBC Bank send me a email message that they have given me a checking account
Does anyone know of any banks in mississippi that doesn’t use chexsystem?
REGIONS BANK HAS BANKS IN MISS
I’m so excited! I took your guys advise and tried bank of america! i got a new bank account no problem! its awesome because i am run my own at home business and its been very difficult having to have people write checks to my husband! all the questions when i say they have to make checks out to someone other than myself! thanks guys!!!!!
need a bank in southern california please?! In Chexsystems, US bank and UBOC…2 yrs old
Thx
lauryn
so you were able to open a business account with BofA?
did you do it online or in person at a branch?
any other details?
thanks
i opened personal accounts. But business accounts were available. The trick is to open it online! I absolutely love them, very secure. You can get your pic on your check card!
Sun Trust worked. I will be making a deposit in a few days. Will post if I run into any problems…..hopefully not;).
Bank of the Sierra in Visalia, California DOES not currently use Chexsystems (Thank God)
As far as I have seen no bank posts an EWS (Early Warning Service) sign out front. When they find deroggatory information, after the fact, that is usually what they use. I think that the individual branch (REGIONS) has the power to override it. However, the Regions manager in Douglasville (Bill Arp Hwy 5) is a racist and I happen to be a black male, so you know how that turned out!
Just tried with HSBC online and they declined immediately stated I should get in touch with chexsystems.
I had two accounts in chexsystems when HSBC approved me, maybe 3. Did you try hsbc advance used to be hsbc direct.
Does Suntrust still work? I was listed on Chexsystems for “fraud” by Bank Of America. I’ve been denied bank accts from a lot of banks, but I haven’t yet tried Suntrust! If it does work what is the key, applying online?
worked for me and i have wachovia, bank of america, woodforest and parda fcu on chexsystems with big balaces ranging from $114-2300
Thanks! I also seen where it says if you’re reported to Chexsystems by Bank of America they also report you to EWS! They didn’t inform me that they reported me there as well, but I don’t know ? Where you reported to EWS as well and still got an account at Suntrust! Mind you I have a “fraud” report instead of a NSF. I don’t owe any money at all eveything was paid before my account was closed by Bank of America. But i’m not sure if it’s even worth trying….help please !
Try to take on chexsystems and have the fraud report removed.
did you even try suntrust, just try it doesn’t hurt make sure you apply online.
If you have a woodforest bank in a local walmart, try them they will definitely opened you an account, just as long as you haven’t had an account that wasn’t paid with them before.
I never answere your question if I am on EWS, actually I am not sure I haven’t ever recieved anything from them but called the other day to get a copy of my report.
Thanks Sandra ! When you finally figure whether or not you’re on EWS could you let me know as well?
Jamel,
I am kind of scared because I don’t want it to throw a red flag to Suntrust who I just got my account with thanks to this website, so what do you think?
Sandra,
Yeah I totally understand where you’re coming from. Did you actually send out for the copy of your report from EWS yet?
jamel,
no I didn’t request my report yet, because I just don’t know I am really unsure because as I said I don’t want to throw any red flags and besides I have never been told that I was in their database anyway. And I do know that my bank uses them because I asked EWS not Suntrust. I just don’t know but I’ll keep you posted. Let me know what you decide. I did read on here somewhere where someone said don’t give EWS voluntary info, such as your employers name and phone number or even your bank account information, be very careful as to the information you give them. Read the post on here where the lady tells you the difference in EWS and chexsystems which she says chexsystems is goverment regulated, idk.
I opened an account online with Sun Trust and I have 2 reports on my chex. However, when I went into the branch to make the opening deposit they inform me the account was closed and I would receive a letter stating the reasoning of the closure. About a week later I received the letter stating they were not able to maintain my account open due to information in EWS. So they do use EWS not chexsystems. EWS is worst.
Where is a good place to apply for a business account?
Boone County National Bank in Columbia, Missouri does use Chex Systems. I tried to open an account today. I had an account at another bank 4 years ago that put me on Chex Systems, and so they turned me down.
Chexsystems is under the FTC, a government agency. Chexsystems has to comply with rules and regulation. EWS is not government controlled and does whatever pleases them. Chexsystems has to follow rules and if you have paid off what you own, or you can provide evidence that a fraud allegation is not true, you may get off chexsystems. EWS really deosn’t mean much. I would not pay much attention to them.