Bank Without Chexsystems

Although it may seem like a very daunting task, it is actually really easy to find a bank without ChexSystems’ notoriously oppressive and hurtful blacklist..

 

Those Little Things

When you run into a little jam with your checking like, say, bouncing a check, there’s going to be a ton of ensuing grief.  Large overdraft fees are only the beginning of your problems.  If you don’t pay up right away, there will be lots of additional charges.  You may end up losing your account altogether, and if your bank is a ChexSystems bank, you’re going to wind up on the blacklist.  This is not a good scenario, not in the least.  In such a situation, if you want to put your money in a bank, you will need to find a bank without ChexSystems.

 
Don’t be a Mark

Looking on a Google search, it is difficult to find ChexSystems’ official website.  Instead, you’ll see dozens of pricey services offering questionable help to desperate bank rejects.  Like the old saying goes, where there’s blood, there’s probably going to be sharks.  Those services are, for the most part, crippling parasitic opportunists.  You probably don’t have $800 sitting around, first of all.  Secondly, unless they’re some fraud on the inside of the eFunds organization, these services can’t do anything that you can’t do for yourself for free.  You can take that to the bank.  Without ChexSystems, these people would have to find some other scam to run on folks. 

You can tell the tree by the fruit it bears.  Such is the case with those who “help” those hurt by Chexsystems.  Bankruptcy chasers are in the same league.  The truth of the matter is that if you are competent enough to work and to speak, and know the specifics of your case, then you have the wherewithal and information that you need in order to get yourself off the ChexSystems grid.  All you need to do is to apply for an account at a bank without ChexSystems as a tool.  There are tons of free, comprehensive lists out there in the internets.

You can do it for Free

That is correct.  You don’t need to let scammers promising to “get you off ChexSystems” bankrupt you.  Just do it yourself.  The ChexSystems official website, which is under an obscure subheading on the eFunds site, has a contact number listed.  If you actually get through on the phone, and grill the representative long enough, you may be able to glean a little bit of essential info.  This is pretty difficult to do, however.  Like most cowardly, to-the-manner-born, banking aristocrats, the people at ChexSystems prefer to hide behind several walls of automation.  If that’s not enough, eFunds often takes the site down completely.  Very frustrating and irksome to say the least!

Be Intelligent

Do the smart and simple thing.  Find banks that do not employ ChexSystems.  Put your money into those banks.  There’s really nothing more to it.  Yes, you can fall prey to the opportunists.  Somebody always will, sure enough.  It’s just that we think that you’re smarter than that.  If this message keeps you from spending too much money on one of those terrible pipe dreams, then good, that’s exactly the function we hoped it would serve.