September 12th, 2011
Welcome to ChexAccounts.com, we are your one stop resource for ChexSystems solutions. We designed this site to help people find a way out of ChexSystems, or at least find a workable solution. Today not having a checking account is not only frustrating and trying, but it can turn simple tasks into expensive undertakings. Five years is a long time for anyone to wait for a new checking account, so we established this site to help you find a solution today. Here are your options:
Second Chance Checking accounts are bank accounts offered by a handful of banks to give a second chance opportunity to individuals who have been reported to ChexSystems. In the majority of these cases, the checking accounts provide include similar benefits as regular checking accounts, with the main difference being that they charge a monthly fee.
Non-ChexSystems Banks, while difficult to find in some states, they are great solution for people trying to obtain a new checking account. Because these banks do not use ChexSystems to verify new bank accounts, approval rates tend to be very high.
Another route is disputing your record with ChexSystems, perhaps the best option if you believe that there was an error on your ChexSystems report. By filing a proper dispute, you may be able to get your name removed from the ChexSystems database, without having to wait 5 years and have access to checking accounts offered by all banks.