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posted: Mar. 19, 2006 @ 11:03p
1st Alliance XXI FCU 1st Plattsburgh FCU
Abbotsford State Bank ABC Bancorp ( American Banking Company ) ABHH EFCU Abrams Centre National Bank Acacia Federal Savings Bank Access Federal CU Adams Bank Trust Adrian State Bank Advance Financial Savings Air Academy National Bank ( Armed Forces Bank ) Alabama Central CU Alabama Gas CU Alabama National Guard CU Alabama Telco CU Alamogordo Federal Savings and Loan Alaska Airlines EFCU Alaska Pacific Bank Alaska USA FCU Albemarle First Bank Alcoa Community FCU Alisos CU Alleghany First Bank (Ash Federal, Applachian First) Allegheny Valley Bank of Pittsburgh Allegiance Community Bank Allegiant Bank Allfirst Bank Allied CU Alpine Credit Union Alternatives Federal Credit Union American Express Membership Banking American Savings CU Antioch Community FCU Arapahoe Credit Union Arcadia City FCU Atchison Village CU
Ballston Spa National Bank BancorpSouth BancWest Corporation ( Bank of the West, First Hawaiian Bank ) Bank Trust Company Bank Audi USA Bank Independent Bank Midwest Bank of Alamo Bank of Amador Bank of America Bank of Bartlett Bank of Belton Bank of Benton Belt Valley Bank Blue Mountain CU BN West CU BOK Financial Corporation Bon Marche FCU Butte FCU
Calcoe FCU California Lithuanian CU Capital Bank Corporation Carter FCU Catlin Bank Cherry EFCU Chinatown Federal Savings Bank Church/Co-op CU Citizens National Bank City National Bank Colonial Bank Columbia-Barnard ( Bethex ) Federal Credit Union Community Plus Savings Bank Compass Bank Copley Los Angeles FCU Cross County Federal Savings Crossett Paper Mills EFCU Customs FCU Cyril State Bank
Delta Valley CU Desert Communities FCU Downey City EFCU
El Cajon Federal CU El Camino College FCU El Camino Hospital FCU Electric FCU Envision Credit Union Equitable Federal Savings Bank Equitable Savings Loan Espeeco FCU EW No 401 CU Excel Federal Credit Union
Family 1 Federal Credit Union Family FCU First Atlantic Federal Credit Union First Convenience Bank First Entertainment Credit Union First State Bank First Tennessee National Bank Florida State Employees Federal Credit Union Fort Sill National Bank
Grantsville Federal Credit Union Great Eastern Bank GTE Federal Credit Union
Hawthorn Bank Home Street Bank
Metcalf Bank Mission Area Federal Credit Union (San Francisco)
Native American Bank Navy Federal Credit Union Nevada State Bank
Penn State Federal Credit Union Pentagon Federal Credit Union Raymond James Bank, FSB RBC Centura Bank River City Bank
Savannah Bank Savings Institute Seattle Telco Federal Credit Union Six Rivers National Bank Sky Bank South Trust Bank South First Bancshares (First Federal of the South) Southington Savings Bank Southwest Bank Stillwater National Bank Trust Summit National Bank Susquehanna Bancshares (Citizens Bank)
TCF Bank Team Financial Telesis Community CU Texans Credit Union The University of Colorado Federal Credit Union Ticonderoga Federal Credit Union Timberland Bank Town and Country Credit Union Tri Counties Bank Trust mark National Bank
Unibanco ( Union Bank Trust) Union Bank of California Nest Egg Club Union Planters Bank United Bank US Bank of Walnut Creek
Wachovia Corporation Washington Credit Union
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posted: Mar. 19, 2006 @ 11:08p
nice list, though some of those banks/CUs use ANOTHER service , just not Chex.
More Chex info in this thread: http://www.fatwallet.com/forums/messageview.php?catid=52&threadid=577897&highlight_key=y&keyword1=chex
Senior Member - 1K
posted: Mar. 19, 2006 @ 11:16p
OP: GREEN FOR YOU! Nice list.
Tri Counties bank is based out of the city I live in and I banked with them. I went on vacation and over a check for under $10 that bounced they closed the account and reported me to chexsystems.
They are listed as not using chexsystems and this is incorrect.
Further more bank of america and US Bank if it has been 6 months or longer and you have proof you paid it will open an account for you.
posted: May. 20, 2006 @ 5:49p
For those of you looking for high yield savings - ING Direct doesn't use ChexSystems.
I was denied by Chase, Amboy, and HSBC all ove an account that was closed $20 negative (because of a disputed service charge) a few years ago. The funny thing is that I have a mortgage and credit card with chase - all opened while this mark was on chexsystems and I have a car loan and credit card with HSBC - also opened while this mark was on there.
I find that while the retail banks might use chexsystems to open a savings or checking account - they could care less when it comes to mortgages, car loans, and credit cards. It's pretty annoying being denied of a savings account for something so petty, but it's alright because I think it should be off in a year or so for me.
posted: May. 20, 2006 @ 8:03p
Green...Thanks for the list.
Senior Member - 10K
posted: May. 20, 2006 @ 9:17p
most credit check on top of checks. If you bounce checks, its likely they will either take two actions: 1. file at your county for misdermeanor or felony depository fraud OR 2. plaster your credit file with collections, sell the debt, continue to do so.
So the they check your credit and look for collections that appear to be of check nature.
it's quite easy to use the credit bureaus to find your bad check writing habits.
CERTEGY i think is experian is probably #1 these days. Didn't they buy out scan or chex systems? equifax handles alot of checks too they will fight hard to keep your credit report plastered.
p.s. WAMU didn't check my online application through CHEX. Only in person at a bank would they check it. This was 2 years ago. I was denied due to not having a residence for 2 years on credit file (EXPERIAN). I went to a local credit union who only checked equifax <img src="i/expressions/face-icon-small-smile.gif" border=0> who gave me $9K overdraft (no fee to use), $6K platinum card, and checking and savings for their $15 share purchase. Not bad. The checking is free too with direct deposit. Very friendly folks.
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