| No discussion of Chex-Systems would be complete | | | | obligation whatsoever to remove an accurate report |
| without accompanying information on | | | | of account overdraft and/or non-payment. non |
| Chex-Systems-Removal. | | | | chexsystems banks online Apply today for a bank |
| Please be aware that ALL of our ChexSystems | | | | account tomorrow non chexsystems banks are few |
| information (including non-chexsystems banks and | | | | and far between, but they are out there. |
| online banks) is totally FREE. We do not charge for | | | | We have compiled a current (as of 2006) list of banks |
| this information like other sites do. It is all FREE for your | | | | online that either overlook ChexSystems information or |
| use. Tell your friends about it. | | | | simply do not care about your past checking history. |
| Also, newly added is a Brand New source that has a | | | | Online banks are nearly as convenient as a local bank, |
| 100% approval rating [if you meet the simple criteria] | | | | especially if you have Direct Deposit. With most online |
| and you can now have a real checking account, Even | | | | non chexsystems banks, you also receive a VISA or |
| if you are currently in ChexSystems! | | | | MasterCard ATM/Check Card. These debit cards can |
| ChexSystems is a network that is made up of | | | | be used to get cash from ATMs and to make |
| member banks and credit unions that contribute | | | | purchases. You can even avoid ATM transaction fees |
| information to a central location concerning negative | | | | by using the card to get cash back at U.S. Post |
| information on checking and savings accounts. This | | | | Offices, grocery stores, and many other retailers. |
| information is shared among the member banks and | | | | If you apply to one of these online banks and are |
| credit unions to warn them of bad check writers. | | | | rejected for a checking or savings account because |
| ChexSystems neither approves nor disapproves new | | | | of a ChexSystems mark, please let us know |
| accounts. These decisions are entirely up to the | | | | immediately so that we may update our current listing. |
| member bank or credit union. They are also licensed | | | | In a nutshell, you can either scour the website for non |
| as a debt collection service to members that | | | | chexsystems banks or apply online for an account; |
| participate in their service. Members report the names | | | | unfortunately, these banks change their regulations |
| and addresses of account holders whose accounts | | | | frequently. The second method would be to apply for |
| have remained unpaid. Every report that is submitted | | | | a real bank account and ATM card with a non |
| to them remains on file for at least 5 years, unless the | | | | chexsytems bank and be done with it. This way, you |
| source of the information requests that it be removed | | | | save time and effort and are guaranteed to get your |
| or Chex-Systems becomes obligated to remove it | | | | checking account. |
| under applicable law. A reporting member is under no | | | | |