For those of you who know

what ChexSystems is, you

probably already know how

difficult it can be to find banks

that dont use Chexsystems

or allow you to get a checking

or savings account without going

through a credit check.

So, you may be asking: what are your options, if any?

Allow me to just put this bluntly: Finding a bank or credit
union that does not screen it's applicants via ChexSystems
is virtually impossible. It's thee standard in determing as to
if an applicant is 'eligible' for a bank account. Lightning fast
Chex Systems checks travel quickly in the information age, and
bank or credit unions that do not use Chexsystemsis becoming increasingly
rare. If you find one, you should get a medal for it!

Many people were'nt indexed into the ChexSystems database as a result
of bouncing or writing bad checks.]; including myself! Most are because
for overdraft fees, identity theft, or someone else having access to
their debit card. And there is always the good eld fashioned clerical
error. Sometimes ChexSystems happens for no reason at all.

So the big question is: How do you get out of, or find a non ChexSystems
bank? Being removed from ChexSystems is possible, but can be a rather
lengthy and costly, process to be taken out of the ChexSystems database.
Or, you have a second option: Just wait 7 years, without a bank account
until ChexSystems drops you from their database

There are however several online checking accounts and
prepaid debitcard providers online, some that offer free direct deposit
or no activation fees. A simple Google search for words like:
"banks that don't use ChexSystems" and you should come
up some quick results. Other keyword terms to use would
be "non chex system bank" or ""visa prepaid debit cards"
"best prepaid debit card", or variations there of. I think
You get the picture.

Point is, finding a bank that does not screen applicants through ChexSystems
is not impossible, the soultion can be a simple as a few simple clicks of the
mouse. For example, AccountNow offers a prepaid debit card with direct deposit
http://PrePaidVisaDebitCard.notlong.com Turns out, the situation is not so hopeless!
Prepaid Visa Debit Card can be the simplest solution.