Thousands of people are on the lists maintained by "ChexSystems". Unfortunately, this means that you are probably having a very difficult time getting a bank account. ChexSystems keeps a list of people who have bounced checks or who owe a bank money. If you get on this list, you can have a really tough time opening a new bank account, even at another bank in another State. That's because MOST banks in the U.S. pay ChexSystems to tell them who is on ChexSystems' list. When you try to open a new account at a new bank, chances are, the new bank will ask ChexSystems about you. If you are on the list, you probably won't be able to open the new account. ChexSystems is supposed to remove your name from the list after five years; however, we have heard stories of people staying on the list even longer than that.

This is extremely frustrating, and can make it difficult for you to do basic things like:

• Deposit your paycheck;
• Pay your bills; or
• Get cash.

Many people on ChexSystems' "bad" list have to use expensive Check Cashers to cash their paychecks and Money Orders to pay their bills. This is expensive and a waste of time.

What do you do if you are on the list?

So, if you are stuck in ChexSystems hell, what can you do about it? You have several options:

1. Try to get ChexSystems to remove you from their list. This can be extremely difficult, and we have heard horror stories of people who got on the list through no fault of their own (and could prove it!) who were not able to get removed from the list.
2. Get a second chance bank account from our highest rated second chance bank account provider: AccountNow. A prepaid debit card from AccountNow is the perfect banking alternative for people with bad credit or who are in ChexSystems.
3. Purchase a list of non-ChexSystems banks on the Internet. There are many sources of lists available on the Internet. Unfortunately, most cost between $15-$95. Even worse, most of the lists floating around are OLD, and have inaccurate data. The fact is, most banks now use ChexSystems, and an old list isn't going to do you any good.
4. Use a reputable source of a free, up to date list, at get a free list of banks that don't use ChexSystems.. Let someone else do the research for you, and get a list that is up to date (and better yet, don't pay for it).

Once you have a new bank account, how do you stay off the ChexSystems list? Be responsible, and make sure that you do not bounce any checks! Also, if you owe the bank a fee (for checking, ATM withdrawals, etc.) make sure to pay them promptly. Now that you know how difficult it is to get off the ChexSystems list, make sure you don't end up on it again!

Here's some great news! You can get a GUARANTEED approval bank account right now! Sign up today.