Non Chexsystems Bank

    We can help you open a new bank account even if you have a Chexsystems or TeleCheck record or if you are building your credit.

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 Bank account

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