Chex Account

In most cases, you can open a bank account at any bank regardless of your credit.  This is because most banks and credit unions use ChexSystems to verify new accounts.  There are some banks that actually use both ChexSystems and a credit report, but this is not common. Technically speaking, ChexSystems is a CRA (Consumer […]

How long will I be listed in ChexSystems? 5 years. Do banks from other states check your ChexSystems record? If you moved from one state to another, and wondering whether a bank will check ChexSystems, the answer is yes.  ChexSystems is a nationwide system, so if your name shows up in the database, it will […]

According to Attorney Lee Sherman of Callahan, Thompson, Sherman & Caudill LLP, ChexSystems is in violation of the Fair Credit Reporting Act (FCRA). The class action lawsuit alleges that ChexSystems is refusing or failing to add consumer dispute statements to the reports. Currently, the lawsuit is in the information gathering stage. If you believe you […]

As the name implies, Fresh Start Checking Accounts gives a “fresh” or a new beginning to anyone seeking a second chance at banking. These bank accounts are also known as Second Chance Checking Accounts. Due to the increased number of customers being reported to ChexSystems, some banks and credit unions have started offering a subprime […]

Running a business without a checking account is nearly impossible in this day and age.  But have no fear, there are options for people who are listed on ChexSystems, but need a business checking account. Option 1: Open a business checking account with a bank that does not use ChexSystems.  Most Non-ChexSystems Banks will check […]

Don’t worry – you’re not the only one confused by the many types of plastic cards. For the most part, people understand the difference between a debit card and a credit card. A debit card is a card that is connected to a bank account much like an ATM card. A credit card on the […]

Are you in search of a prepaid card that is simple in nature, easy to use and is no fuss to apply for? If that is what you want then you will find it in the All-Access MasterCard Prepaid Card. This card offers efficiency, convenience and simplicity when it comes to managing your money. It […]

A NetSpend debit card is a plastic card that looks like a credit card. The NetSpend debit card is not a credit card, it is prepaid. This means it is completely powered by your money. There is no credit card bill to pay at the end of the month, no late fees, no risk of […]

The Green Dot Gold Prepaid MasterCard is, as the names implies, a prepaid card that works more like a debit card than a credit card. This prepaid card makes it such that cardholders have complete control over the money that they spend. Money management is a snap when you start using your Green Dot Gold […]

The Get Checking Program was a national education program that was created with the belief that everyone has the right to open a checking account, even if they have had prior problems with bank accounts and have a ChexSystems record. The program got its start in the state of Wisconsin. It was formed by a […]