Please refer to Question ID # 109190 before attempting to answer this
question--one "GA" researcher already spent some significant time on
it.
 
This is a rush question... 
 
I have a client who is moving, within the New England area (MA, CT,
NH, RI, VT, ME), and needs to open a new checking account there, in
the order of preference of states as listed above.  We have found
that, due to a past marriage, two
"credit history" reporting agencies that do background checks for
banks have provided information that makes it impossible for her to
open a new checking account with the banks that use them; however, not
all New England banks use one of these two agencies (a credit bureau
check would not work either, but that is not typically done when
opening a new checking account).  She does not have the time needed to
clear up this history and is finding that branch managers want her to
do that before they open an account for her.

Since there are other agencies employed by banks in New England that
do not
report the same information, I would like to find out which banks do
not use
"ChexSystems" or "NCPS" for new checking account risk verification
purposes (or run credit checks, as typically done when applying for a
credit card, such as with Equifax). These are the companies that are
negatively "flagging" her.  Some banks use "Telecheck" and some banks,
especially smaller ones, may not use such a service at all.  I would
like to obtain a list of 20 banks that do not use these two previously
mentioned services, along with their locations, phone numbers,
agencies they do use, and how many business days they hold an initial
check deposit (from Citizens Bank in MA) before releasing the new
checking account funds.
 
I routinely obtain this information when conducting background checks
on new/potential employees for businesses.  You can call these banks
(costs for long distance calls will be reimbursed within tip) and
directly ask the customer service department what company(ies) they
use to determine whether or not to open a new checking account for an
individual. (Banks for each state are listed in yellow pages on
internet--for listing purposes, "MapQuest" distance from Boston could
be used to rank them; the closer to Boston, the better.)  This is
public information and if you tell them you are conducting a
background check for employment purposes, and that knowledge of what
company they use for this will indicate how creditworthy/bondable a
person might be, they should not have any problem with telling you
(they do not need or request a name).  They probably won't even
require any reason for the question.
 
You do not need to contact Fleet Bank, Citizens Bank, Granite Bank,
Wainwright Bank, or Peoples Federal Savings Bank as they have already
been contacted.  A tip, commensurate with effort, will be provided (in
addition to covering phone call costs, if any, since some banks do not
have toll free numbers). It is most likely that you will need to
follow the instructions I gave in an answer clarification to the
previously posted question to obtain this information (i.e., contact
small, rural banks by phone or email and avoid the larger and more
centrally located, big city banks). If you begin this research and
feel that it will involve more time than expected, please inform me
and I will increase the price or promise to pay a certain additional
amount in the tip.  Please make a point, though, of familiarizing
yourself with the information in the question # noted at the top of
this question box.

Thank you!