1st
thing to do is sit down and think this out. Don't be forced
into paying large fees to some check cashing store.
Those places can be a gigantic rip to your budget
and your financial future. So only use check cashing
stores in an emergency. Right now we need to look
into your financial situation.
How did you use your
checking account ...
-
pay bills
-
get cash at the ATM
-
shop online
-
rent a car
The good news is anything you
did with your old checking account can be done with
a prepaid debit card, and some offer
checks and free direct deposit, so you never have to
stand in line or burning gas at the drive through
window to deposit your check..
So: if you can't
find a local bank to do business with then a prepaid
debit card maybe a very workable solution. Today most people can
easily do all their banking with
a Visa
without ever writing a check.
Banks That
Don't Use Chexsystems
The first thing
to do is hit the yellow pages. Look for small home
town single branch banks. Avoid the large corporate
banks - they will almost
always be chexsystems banks.
The home town banks and credit unions are
usually the last ones to get approached by companies
like chexsystems. Because they'd much rather
concentrate on a bank with 50 branches then a tiny
little old bank all by itself.
And
that's the bank you're looking for. The bank not in
the system (they are scarce) but they are still out
there. When you open your new account DO
NOT START A BITCH SESSION ABOUT YOUR LAST BANK
AND CHEXSYSTEMS if you do ... you're going to poison the
pool and lose the account.
Instead: quietly open your new bank account,
thank them for their time and tell them how happy
you are to be working with them. The reason your
banking with them (if they ask) is: you heard
"This
is a very good bank". And while you're at
it ...put some cash in a savings account "banks love
customers who open savings accounts" it doesn't have
to be much it's the thought that counts :-)
Your Friends
Know Stuff.
If
you have friends ...you have resources. Ask
them who they bank with. They won't know if their
bank is a non chexsystems bank or not ...unless
they've had troubles. So just ask ...is it a big
bank with lots of branches or a tiny little quiet
bank. The kind with aunt flow working as the teller
...the bank where everybody knows your name. If so,
you may have just found your new bank.
Out Of State
Banks
Today we live in global economy. Our checks are
processed all over the country. Small banks are
bought out and gobbled up by huge banking
empires.
The days when
your money stayed in the safe of the bank where you
made the deposit are long gone. Instead they have a
computer that keeps track of accounts and numbers.
There is no bank in the USA that can produce every
depositors money. If everybody with money in a
bank showed up tomorrow and
demanded it the bank would immediately CLOSE! The days
all deposits in house ...are gone :-(
A
bank in North Dakota is as good as a bank in NY
City (make sure it has F.D.I.C. Federal
Insurance). As a matter of fact when you put that
Visa
in the slot at the pump they could care less if your
card is from an Arizona bank or a bank in Ireland as long as it's
approved...they don't give a dam... to them it's
just money!
So don't be
afraid of getting a bank account in an out of state
bank. It's just a bank and nobody is
going to care. If the local grocery store
won't take your check ...so what they'll take your
visa.
Just be sure they accept direct
deposit so you can have your employer direct deposit
your paycheck. Many banks will even add $50 to your
account and wave all monthly fees if you will have
your paycheck or social security
direct deposited.
If you've tried everything and still can't find a
bank then here are are two options.
Option # 1) bank account now will offer you a prepaid debit
card checking account replacement card. They don't
care if you're on chexsystems. Here's a link to
their online application
Click here to open a bank account right now
Option #2) if you prefer
a regular checking account with a MasterCard debit
card and a regular checkbook and can't find one in
your area. Then here's one that will help you even if you're on
chexsystems.
They will issue
you a checkbook and a Visa or MasterCard debit card and
do not care if you are on chexsystems or telecheck. This is a real non chexsystems bank and they
will work with you.
Look at it this
way ...You could spend your time applying in banks all
over town and burning up gas at
five-dollars-a-gallon
OR: let me save you hours of
frustration and gallons of gas. For a measly
15-bucks I will refer you to a real non chexsystems
bank account with one mouse click.
Here's what you get with your new bank account:
-
Free
MasterCard Debit card
-
No account
opening fee
-
$30 minimum
opening balance
-
No Load fees
-
No
application fees
-
No monthly
service fees
-
No minimum
cash balance required
-
On
Chexsystems, TeleCheck or have bad credit ...you're approved
-
FREE online
banking and bill pay
-
Your bank
account problems will be over in just a few
minutes.
Why continue to
pay those huge check cashing fees when you can get a bank account
right now.
Good luck
-Perry
