Non ChexSystems Banks
If you apply for a checking account at a bank and your request is denied, then you have probably been blacklisted on the ChexSystems national consumer report database. Do not take this personally because 7% of American households are in the same boat you are in. However, the real problem is that you applied for a checking account at a bank which uses ChexSystems to screen their new applicants. If you already know that you are blacklisted, you need to avoid all banks which use ChexSystems and find one that does not use it. This is the only chance you will have of opening a new checking account without your consumer credit report getting in the way.
Believe it or not, about 20% of all national and local banks in towns and cities throughout the country do not use ChexSystems. You just have to know which ones they are. Once you find Non-ChexSystems Banks, you won’t have the stress of wondering if your past mistakes with previous bank accounts will prevent you from ever opening another one again.
*Note that BBVA does use Early Warning System, though it doesn’t use ChexSystems.