Looking for a Non Chexsystems bank... [Archive]

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reesecup

10-15-2003, 09:52 AM

I don't mean to put it out there like this, but can someone give me some advice on how to open up a new bank account, even if having your name in ChexSystems?

mystkev

10-15-2003, 09:59 AM

You should try a credit union

www.patelco.org

reesecup

10-15-2003, 10:01 AM

Originally posted by mystkev
You should try a credit union

www.patelco.org

I appreciate the suggestion, but hell na, I just left Patelco. I was cool with them for about 2 years, until they started this charge monthly, for funds being too low. Damn, there was nothing I could do, and didn't want my account to be on withdrawal status, so I closed my account. But now I'll look into another credit union.

Tastey

10-15-2003, 10:15 AM

I'm not sure about the one Myst recommended but my credit union checks through chexsystems.

My mother opened a checking account in her name. Then she added my name to the account as the secondary user.

Because my name was not the primary account holder, they did not take my SS# or run it through chexsystems. They simply added my name on the checks as someone who could write them.

This was originally done so that I could assist my Mom with paying her bills, then she just handed the account over to me, and opened a seperate one. My sister's account was opened the same way. My mother is the primary on it as well.

This was through Nationsbank/Bank of America. I don't know if this is the case at all banks, and I have since closed the account.

If you are really into being a con artist (don't know if you want the ghettofabulous route or not) I do know that if someone else opens an account for you, and you order checks through one of those online companies with the cartoon characters, they will put WHATEVER name you request on the top of the checks.

Due to the electronic age, the banks are not checking to see if they match with the account holder when the checks come through.

In other words your friend Jane Doe could open a checking account. Give you the banking info, then you order checks that say Reesecup with your address info.

You would not however have the benefit of check cashing or debit card services. That would only go to Jane Doe.

This is also one of the newest identity theft cons. People don't realize there name is being used because the person only OPENS the account in their name. They write checks in their own names or alias.

mystkev

10-15-2003, 11:04 AM

I don't belong to patelco, but it's the only credit union that I know of that doesn't require you to work for a certain company. You can just live in the area.

I also don't think it matters if you are in chexsystems b/c I know folks who bank there that can't get a regular bank account.

But since Patelco is out of the question, where do you live reesecup? Sometimes cities have their own credit union that's an option.

MsMeelah

10-15-2003, 11:17 AM

I don't think Navy Federal checks. Then again, I was 17 when I first got that account so mabye they used my dads' info
You can always work out a payment plan with the company that you owe $ to and once your balance is paid, you can go to chexsystems and then request your name to be removed. Many companies will settle with you for a fraction of the balance owed...

Joi :)

10-15-2003, 11:46 AM

whats chexsystems?

Tastey

10-15-2003, 11:56 AM

Originally posted by Joi :)
whats chexsystems?

It's like Equifax for checks. It records your name if you owe a bank money from a previous account, or have outstanding bounced checks.

Joi your store doesn't use chexsystems before accepting checks for cell phones? :confused:

reesecup

10-15-2003, 01:06 PM

Originally posted by MsMeelah
I don't think Navy Federal checks. Then again, I was 17 when I first got that account so mabye they used my dads' info
You can always work out a payment plan with the company that you owe $ to and once your balance is paid, you can go to chexsystems and then request your name to be removed. Many companies will settle with you for a fraction of the balance owed...

Good Idea, I'll try to see if they'll let me make a payment plan
Thanx

reesecup

10-15-2003, 01:11 PM

Originally posted by mystkev
I don't belong to patelco, but it's the only credit union that I know of that doesn't require you to work for a certain company. You can just live in the area.

I also don't think it matters if you are in chexsystems b/c I know folks who bank there that can't get a regular bank account.

But since Patelco is out of the question, where do you live reesecup? Sometimes cities have their own credit union that's an option.

Valley Jo, holla

Admin

10-15-2003, 02:27 PM

www.bankofthemattress.com

Its's free to join and they have no fees at all. i was down with them, back in the day when i was on Checksystems...they treat ya right and you always have access to yo money...

Hours: MO-SU
24 Hours

Holla

Tastey

10-15-2003, 02:53 PM

Originally posted by admin
www.bankofthemattress.com

Its's free to join and they have no fees at all. i was down with them, back in the day when i was on Checksystems...they treat ya right and you always have access to yo money...

Hours: MO-SU
24 Hours

Holla

Admin you are so wrong for that. lol :p

HulaSista

10-16-2003, 02:00 AM

seductive_tee

10-16-2003, 07:27 AM

www.sdfcu.org

this is my credit union and they are the best....go here http://www.sdfcu.org/AboutUs/membership.html to see if you qualify to join...

But the minute they have the friends and family drive, i'll be sure to let you know......that means anyone can get in as long as a member vouches for them.

Oh, we don't have all those crazies fee's

Joi :)

10-16-2003, 09:25 AM

Originally posted by Tastey

It's like Equifax for checks. It records your name if you owe a bank money from a previous account, or have outstanding bounced checks.

Joi your store doesn't use chexsystems before accepting checks for cell phones? :confused:

nope! we sure dont, hardly even check ID, but here in the south, i can go to the bank and get dough with no ID, try that in baltimore LOL

SoftNwet

10-16-2003, 09:30 AM

Originally posted by HulaSista

for me it was www.bankofthebra.com and www.bankoftheelectricplug.com ... :D no lie

hey reese, you in valley jo? let's do lunch... i'm there too...

ROFLMBAO!!!!!! Hula you still a fool!!!!

reesecup

10-16-2003, 10:02 AM

reesecup

10-16-2003, 10:07 AM

HulaSista

10-16-2003, 10:07 AM

work in the valley? ain't no money to be made out here! i live here and on a good day i work in san francisco. just let me know if you are ever available.

reesecup

10-16-2003, 10:12 AM

Originally posted by seductive_tee
www.sdfcu.org

this is my credit union and they are the best....go here http://www.sdfcu.org/AboutUs/membership.html to see if you qualify to join...

But the minute they have the friends and family drive, i'll be sure to let you know......that means anyone can get in as long as a member vouches for them.

Oh, we don't have all those crazies fee's

Thanx but I'm not an employee of any kind of those companies they listed who qualified, so I'll try somewhere else, but thanx again though.

reesecup

10-16-2003, 10:14 AM

Originally posted by HulaSista
work in the valley? ain't no money to be made out here! i live here and on a good day i work in san francisco. just let me know if you are ever available.

You right, there ain't no money to be made but niggaz still work out there. What part of the Valley, do you stay at?

reesecup

10-16-2003, 10:15 AM

Originally posted by HulaSista
work in the valley? ain't no money to be made out here! i live here and on a good day i work in san francisco. just let me know if you are ever available.

I've been trying to get to one the Hushnics, but I always get in too late, so it'll be nice to finally meet somebody from the Hush Fam, you feel?

HulaSista

10-16-2003, 10:19 AM

i live over by walmart... where you at?

reesecup

10-16-2003, 10:29 AM

Originally posted by HulaSista
i live over by walmart... where you at?

I know where that Walmart is. I'm up the street and next block over from the Valley Transit Station. We are not that far from each other. I stay in a fonky old apartment, but shit it beats living at home with mom's in her crib.

HulaSista

10-16-2003, 10:35 AM

oh, you closer to tuolumne or kaiser?

reesecup

10-16-2003, 10:49 AM

Originally posted by HulaSista
oh, you closer to tuolumne or kaiser?

I'm closer to Tuolumne. Better yet, by the JFK library, and waterfront.

HulaSista

10-16-2003, 11:00 AM

Originally posted by reesecup1979
I'm closer to Tuolumne. Better yet, by the JFK library, and waterfront.

lmao... girl... i thought you were talking bout the vallejo transit center on broadway (near tuolumne) or the sereno transit location near sereno and broadway lmao... you way on the other side down town near the york and marin transit location... ok... i know where you at now :D

reesecup

10-16-2003, 11:23 AM

Originally posted by HulaSista

lmao... girl... i thought you were talking bout the vallejo transit center on broadway (near tuolumne) or the sereno transit location near sereno and broadway lmao... you way on the other side down town near the york and marin transit location... ok... i know where you at now :D

Cool so holla back.

Tastey

05-05-2004, 05:19 PM

Don't know if you are still interested Reese but I joined this website www.passchecking.com.

It's a site designed to allow you to look into your record with chex systems and possibly be removed.

With mine after paying off the debt I found that the bank listed me as "abusing my account" so even though I owe no one any money I'm listed as a risk.

I've written a letter of dispute because the "abuse" of my account was due to AOHELL withdrawing once a day instead of once a month and it was the eventual reason I closed the account.

The bank refused to do anything to stop it, and for awhile I just kind of let it go. But in clearing up my credit I payed it off...and as I said...it's still there.

However in the meantime they list banks that do not check chex systems OR if they check they will accept a reasonable explanation for what's showing.

I opened an account at www.netbank.com

I have checks, direct deposit, and a Visa check card.

Still in chex system...but as I said I am disputing that as we speak.