I am on chexsystems.  I want to open up a bank account.  Does anyone
know of an FDIC insured bank that meets this criteria?  Thanks.

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Request for Question Clarification by efn-ga on 02 Jan 2005 08:15 PST

I found some web pages that list financial institutions that
reportedly either don't use Chexsystems or show some flexibility in
opening accounts for people listed on Chexsystems.  Would references
to such pages be an acceptable answer to your question?  Whether they
would allow you to open an account would depend on the details of your
specific case.

---

Clarification of Question by mozartman-ga on 02 Jan 2005 15:57 PST

Any list of FDIC insured banks would be great.  I have an overdraft on
my account which has been on for one year.  It is unpaid.  I am
interested in banks Located in either PA or NV.  However, I am fine
with  online banks as well. References to pages would be an acceptable
answer.  I can do the rest. Thanks.

Hi mozartman,

The best page I found for you is this one on the Chexsystems Bites website:

http://chexsys.tripod.com/goodbanks.html

It lists three banks and one credit union in Nevada, but one of the
banks has closed.  The other two banks are FDIC members and the credit
union is NCUA-insured.

The page also lists four banks and two credit unions in Pennsylvania. 
Three of the banks are FDIC-insured; the fourth may be, but I couldn't
tell because its web site wasn't working.

The page also lists about ten national online banks.


Additional Links

The ChexVictims website has a Friendly Banks forum with 661 posts. 
You have to register with the site to read the forum.  There may be
some additional leads there.
http://www.chexvictims.com/AspNetForums/

This page on the CardReport website is largely redundant with the
Chexsystems Bites one listed above.
http://www.cardreport.com/dirs/non-chexsystems-banks.html

A couple of websites offer lists of non-Chexsystems banks, but require
membership.  I didn't join them, so I can't evaluate these lists.
http://www.chexhelper.com/
http://www.newcheckingaccount.com/


I hope this information is helpful.

Good luck,

--efn

I found a great source for ChexSystems information 
http://aboutmycredit.com/chexsystems_solutions.htm

This other site tells you step by step how to get removed from Chexsystems. 

http://badcreditinfo.com/how_to_get_off_chexsystems.htm

I even found a list of non Chexsystems banks!

http://badcreditinfo.com/non_chexsystems_banks.htm

In my experience, the most reputable fee-based service (Better
Business Bureau approved) is clearly www.passchecking.com

People need to understand that generally speaking there are no "silver
bullets" when it comes to getting out of ChexSystems. However, when I
signed up with PassChecking they provided me with a custom tailored
solution based on my individual situation. All I did was write to them
with the details of why I ended up on ChexSystems and they presented
me with a short-term and a long-term plan that has worked nicely so
far.

By the way, everytime I emailed them with a question they promptly got
back to me with timely and informative answers to all the questions.
Also, they offer tons of FREE information on financial related
matters.

Beware, most of the other fee-based web sites out there are simply
fronts for debt consolidation ploys.

My two cents,

Charles

Why pay for something that should be free in the first place?  Visit
www.iCreditSolution.com for free solutions to your ChexSystems
problem.  Free products include a list of Non ChexSystems Banks,
credit info and tips, sample dispute letters, and a free "bad credit"
mortgage loan consultation.