There's no sense beating around the bush, If you're reading this then you're probably on chesystems or you're pretty sure you are.
What is Chexsystems?
Chexsystems is a company that keeps and electronically manages bank records, overdrafts and banking fraud and then reports all of these transactions to all of it's members banks. So if someone has NSF fees bounced checks on their record, when they try to open a bank account with another bank, that bank is warned by Chexsystems not to open the bank account.
ChexSystems can mean a lot of financial trouble, if your banker closes your account and reports you to Chexsystems, because a chexSystems report can have serious future problems. Once a bank reports you your name is in the system; most banks will not open a checking or savings account for you.
Unless you can prove it was not your fault (Banks make mistakes too) then the reoprt stays on your record and in the system for five-years. If you believe that you're not at fault for your Chexsystems reoprt then call them at 800.428.9623 and they will show you how to appeal it.
Open A Second Chance Bank Account
It may not be possible to get off Chexsystems but that does not mean you have to go without a bank account. Actually there are banks that will open a non chexsystems bank account for you and offer you a second chance.
Don't fall into the trap of paying your bill swith money orders and cashing your check at check cashing stores and paying those huge fees. It's easy to open a chexsystems bank account and get back your banking self respect.These non chexsystems banks have the advantages of a checking account without being refused because you have a report on your chexsystems record. Most of the time the will open a new account for you without any hassle check this one I know they'll work with you to open a second chance checking account