timothy86 said:amr5150 said:got denied

first time that's ever happened with a checking/savings/cc...hmm?

Maybe you messed up on entering your information?

They might do a soft credit pull, not sure. I know it said verifying information after I clicked the open account button.

If you mistyped something, maybe that is the problem? Try and call them.

it said they did a Chexsystems....not sure I even want to call for only $25.

We're Sorry...


We regret we cannot open your account at this time. Your application was processed by a reporting service that reviews various items of information we consider in evaluating an application. The information you provided in your application did not meet our requirements for approval.

In evaluating your application, a consumer reporting service provided us with information that in whole or in part influenced our decision. This service did not make the decision to decline your account application and is unable to provide you with specific reasons why the decision was made.

You may order a copy of your consumer report online at www.chexhelp.com or you may contact ChexSystems by telephone at 1-800-428-9623, by fax at 972-241-4772 or by mail: Attn: Consumer Relations, 12005 Ford Road-Suite 600, Dallas, TX 75234-7253.

You have rights under state and federal laws. Included in these rights are:


The right to obtain a free copy of your consumer report if you make such a request to the consumer reporting agency within 60 days of your receipt of this notice.


The right to dispute the completeness or accuracy of any information contained in such report by notifying the consumer reporting agency directly of your dispute.

A pull on Chex for just a savings account? Argh! I think I'll have to pass on that... especially since some banks are pretty touchy with Chex inquiries (in the past, I missed out on a $75 bonus from WaMu because I had 2 inquiries on my ChexSystems report - no negs).

thanks op

free 25, 3 mins to fill app

gatzdon said:Don't forget to get your free Chex report if you're denied.

I went to the site mentioned in their response to me above and requested it, will it be mailed? It never indicated how they would be delivering it?

Today isn't a business day.

Thanks, OP. That was easy.

Thanks OP! Nice return on investment

Thanks, OP. Pretty easy initial app. We'll see on Wednesday, though.

StartingMoney said:
Not counting today, I am on my 5th business day of waiting for the verification deposits. It is NOT 1-2 days to open the account. They took my initial deposit from my checking account within, but it is not posted in the Savings Account as available or under a hold of any kind. It's probably best to open with as small a deposit as possible.

strange0kiddo said:What is by the 28th they still don't have my account open? Cause by how long it is taking, it might not be open by then. 1 to 2 days my butt!!!!!
That is because the initial deposit is held 5 or 10 (?) days since the funding account wasnt verified. The fact you can look in your Savings account and see it has not posted means your account has already been opened. You can do other deposits, added bank account links, etc even though the opening deposit hasnt posted yet. I know what you mean by your initial deposit not showing up anywhere within the savings account, but it will in a couple more days (and it will be dated properly too). Not sure why, but it is a transfer/deposit made outside the normal Quicktransfer system (using an unverified account) that causes this.