Finding a checking account with no Chexsystems is not an easy task. Over 80 percent of banks will use this system to see if you have been unable to repay money owed on checking accounts from other banks. When they look up your social security number and checking your credit, they are most likely going to check your status on Chexsystems. But you can find banks that do not use Chexsystems.

It is like finding a diamond in the ruff, but you can get a checking account even though your name is on the Chexsystem. It is going to take a little bit of work finding them though. You can find some of them by looking around on the internet or asking around. Your name can be on the list for up to 5 years before you are free of it. It is possible to get off the list, but that is if you pay the bank you owe and ask them to remove you from the list. Your second option if you pay them but they will not take your name off the Chexsystems list, is to ask your bank if they will allow you a checking account if you provide proof of paying your debt. What is your third option? Look around for banks that do not use Chexsystems, or banks that are willing to still give you a checking account even if your name is on the list. It is possible that the bank consultant can change their mind, just because your name is on the list does not mean that they have to automatically deny you. If you try and cannot get a checking account with no chexsystem involved, keep trying. Most likely, you might not find one right away, but if you keep trying, you will eventually get a checking account with your bad credit history.

Maybe you might get lucky and you will find a bank right away that will give you a checking account regardless of your credit history and the fact that your name is on the Chexsystems list. Or you might find a bank that does not even use Chexsystems. Just make sure you do not stop looking until you find a bank that will give you a checking account with no Chexsystems background check.