Chexsystems Checking Account
So while you are working on getting your name removed from Chexsystems, you should also be working on getting a non chexsystems checking account. Depending on your situation, it could be a while before your name is removed from the list. One thing that might prevent you from getting your name removed sooner is whether you are not able to pay off your debts. If you cannot pay the bank back, then you are not going to get your name removed. Make sure you get your Chexsystems report to check it for accuracy. This talks about it here: Chexsystems, and I have a link to the Chex Systems corporation in my blogroll. So go there and get your report, they have to give you a free one each year. So while you work on your report, you should start applying at banks that have a non chexsystems checking account. There are a number of banks out there that do not check this list when you are applying for a new checking account. Some places will let you apply online so you do not have to step inside a bank. Some people have told me they had a higher success rate when they were applying at credit unions, and some of those will let you apply online too. Also, on top of that, there are banks that will give you a fresh start checking account even if your name is on the chex systems list. Either way, you are able to get a new checking account regardless of your situation. If your situation is seriously bad, there are places where you can get a guaranteed checking account, but you will definitely have to pay a monthly fee. When you are done removing your name from the dreadful list, then you should get another bank account so you have bank accounts with at least two different banks. It is a good idea to have at least two just in case something bad happens to the other. It is like a back up plan. So for you, you have two options. Getting a non chexsystems checking account, or a checking account for people who are on chexsystems.