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What is the function of ChexSystems?

Banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. You get reported to ChexSystems if your account is closed for cause. What is for cause? Banks differ greatly between them as to what valid reasons are for closing an account.

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How would you find out if you're listed in ChexSystems?

Contact ChexSystems, If you contact ChexSystems and tell them you have been denied an account in the past 60 days, they will send you your report at no charge . Otherwise, there is a fee.

ChexSystems Customer Service
www.chexhelp.com
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
(972) 280-8585
Fax: (972) 241-4772

What is the telephone number for ChexSystems?

ChexSystems toll-free: phone number
(800) 428-9623
(800) 513-7125
(800) 428-9623
From aboutmycredit.com/chexsystems_solutions.htm

Can I get a payday loan or cash advance with no checking account because I am on ChexSystems?

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How long does it take to get out of ChexSystems list? Will you be removed from ChexSystems list if the balance has not been paid off?

Your information stays in the ChexSystems database for 5 years unless there's a legitimate reason to remove it.

Any Bank that don't use ChexSystems? Are there any banks that do not use Telecheck or ChexSystems?

badcreditinfo.com/banks_that_do_not_use_chex_systems.htm

After a bankruptcy will the balance show as zero on ChexSystems?

I consulted a bankruptcy attorney on this one. Yes, the balance should show zero, but the listing can remain for the balance of the five year term on ChexSystems. You might consider a second chance checking account Second Chance Checking Account

Is there any way around ChexSystems when opening a bank account?

Apply to a non ChexSystems bank  badcreditinfo.com/non_chexsystems_banks.htm

Can you open a merchant account if you are in ChexSystems? Can you open a business savings account when you're on ChexSystems? How do you open a business checking account after being denied due to ChexSystems?

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Does being in ChexSystems affect your credit report even you don't owe the banks anything? Can you buy a house if your on ChexSystems?

ChexSystems reports only to banks about past banking issues. Past banking issues are not contained in your "regular" credit report unless the bank assigned the account for collection. It is a good idea to check your credit report at least twice a year.
You can get a free copy of your credit report at aboutmycredit.com

Where can you get a savings and checking account while you are are listed with ChexSystems?
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Can you get a bank to remove your name off of ChexSystems if you pay off the bad account?
It is up to the listing bank and the circumstances involved. Guide to Get Off ChexSystems

Is it possible to join your new husband's credit union account with your name in ChexSystems but his is not? It's up to the credit union, I would think it best to pay off ChexSystems before you try.  You can get a joint checking account with out a ChexSystems check at gochecking.com

People ask; Where can I get a bank account if I am listed on ChexSystems and I live in ; Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, N Hampshire, N Jersey, N Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming. AL AK, AZ, AR, CA, CO, CT, DE FL, GA, HI, IA, ID, IL, IN, IO, KS, KY, LA, MA, MD, MS, MC,  MI, MN, MO, MS, NC, NJ, NM, NV, ND, NH, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC.

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Updated 06/21/09

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