About Me

Baltimore, md, United States
Im just a hard ass working American who hates the chex system banks because of how they really screwed me over they really did a number on my checking accounts. but i had the last laugh

Chex Systems Banks - Introducing Second Chance Checking

Banking shouldn't be a mystery, but for most of us, it is. Locating a good bank, applying, getting approved, and using a bank on a daily basis should be a piece of cake, right? Unfortunately, the reality of banking today is far from being easy for most people.
More Complicated than It Needs to Be
In theory, banking is a pretty simple concept. You have some money or you get paid and you want somewhere to keep it safe and sound. You need to be able to access your money when you need it, either in the form of paying bills, making charges, or withdrawing cash directly from your account. And, you don't mind earning some interest on your balance.
The reality is quite different. It can be hard to get your checking account application accepted. Even when you do successfully open an account, you have to put up with overdraft fees, checking account fees, cancelled check viewing fees - you name it. Sometimes, it can feel like the bank is not really your friend at all. Which means that, for most people, the relationship they have with their bank is a love-hate relationship.
Reason it Got This Way
If you are wondering about the reason things have gotten this way, you will need to look to a number of important trends that have hit the banking industry over the past few years, including:
* overdraft protection programs: This is a wonderful idea, but in reality it ends up costing many bank customers more than it saves them due to the effect of overdraft fees.
* debit cards: These cards allow you to make charges against your account even when your balance is near zero or in the negative. Combined with overdraft protection, failing to use your debit card with the highest degree of caution can cost you hundreds per month in overdraft fees.
* Chex Systems: This is a database that most banks use to report current or past customers who in the bank's eyes represent a risk. And, about 90% of banks refer to Chex Systems when evaluating a new checking account application.
If your checking account applications have been rejected recently, it is likely that your name has been reported to this database.
That First Step is a Doozy: Difficulty Getting Approved
If you have been reported to Chex Systems, you will have a very slim chance of getting your checking account application approved by any bank that uses Chex Systems. And not being able to get approved for a checking account by one or more banks is not only frustrating, it is a bit humiliating. Basically, without a checking account, your entire financial life is put on hold.
About Non-Chex Systems Banks
Fortunately, there are a handful of banks out there who do not use Chex Systems at all. These banks call themselves "second chance checking" banks. As the name implies, they are happy to offer checking accounts to anyone, even people who been reported to Chex Systems in the past.
Second chance checking banks offer all of the same perks and benefits of other banks.
How to Find a Second Chance Checking Bank

Ok Here
is what I did I went to this site 2nd Chance Checking.
Im telling you from ex pissed of person with no checking account to another. It works. I know it works because I have a checking account.

SO YOU HAVE 2 CHOICES. CLICK THE LINK ABOVE OR CLICK THE
LINK BELOW..WHATS NOT A CHOICE WALKING AROUND IN 2011 WITH NO CHECKING ACCOUNT!!!

                                           So Click Here or Click the link above
and learn how to kick the “Chex System” tail and Give them the finger as you walk away with your checking accounts.