Non Chexsystems Banks
If you are having problems with getting a checking account or a bank account in general, it is probably because your name is on the Chexsystems List. In that case, there are two things you want to start doing. First thing is you want to get a bank account with non chexsystems banks. The banks that are denying you an account are checking your background on Chexsystems, so in order to get around that, you need to apply at the banks that do not use it. The second thing you need to do is start working towards getting your name off of the chex systems list. Your name is going to be on that list for 5 years, and having your name on the list is no fun. Basically, you are going to need to pay your debts that you owe to your old banks. Once you do that, you can ask your bank if they will kindly remove your name from the chexsystems list. Not all banks will do this, and if they do not then your next step is going to be to dispute your claim through Chex Systems, Inc. That is the company that handles all of the information banks give them. Disputing all of this through chexsystems will take time, at the very least 30 days. That is also assuming that everything that is preventing you from opening an account on that report is either an error or paid off. So remember to keep focus on finding non chexsystems banks soon so you can start using a bank account again. There are a lot of banks that do not use chexsystems in California, Texas, Nevada, and all the other states. For the most part, all of the big banks are going to be looking at the chexsystems list when you apply for a bank account. Although it is not verified, it is possible that Union Bank of California does not use chexsystems, but instead they apparently check your credit report. Approximately 20% of the total banks out there do not use Chex Systems when processing your account. Smaller banks like credit unions are a majority of that number. You can also apply online to get a new checking account. Another option is to go with a financial institution that offers guaranteed checking accounts. Usually these banks will charge a fee around 8 dollars a month to give you a guaranteed checking account, so if you do not want to spend some time applying for checking accounts, you can cut to the chase and apply for a guaranteed checking account. Your highest chances of getting a free checking account is to apply with the non chexsystems banks.