Trying to open checking account online, but rejected for verifying my identity

I hate those tests. Even though I know what's what, I still worry that just might be off by a few $$ or something.

Depends on the bank. If you did it at ING then you're probably out of luck
http://consumerist.com/5355375/man-says-byzantine-ing-identity-verification-stops-him-from-opening-account

Pull your credit report. Use the data as it shows up in your credit report.

Recently I was asked what street that I had lived on....none of the answers applied to me except possibly the answer of P.O. Box 223. I had P.O. boxes previously & had to look at my credit reports from 10 years ago to determine that I did in fact have that P.O. box #. How rediculous....who remembers there P.O. box #s after one has closed there P.O. boxes? And since when is a P.O. box a street name that anyone lives on??? So yes, one needs to be prepared to answer those questions that are not self evident as to the answer.

I have never been asked a question with a correct answer to choose from. Almost a dozen accounts opened in the last two years and all my answers were "none of the above". Until Ally turned me down a couple weeks ago, must be that was the right answer.

This is to prevent someone other than yourself is opening an account under you.

Are you sure it was you opening his account??

Just an update on this. I called the bank and they were most unhelpful. Basically saying tough luck and there is no way for them to 'unlock' me. So I then emailed the online people who developed the online bank account application. They said:

" You will need to work with the bank to discuss your information and to further troubleshoot. We apologize that we could not be more helpful; however, for security purposes we do not have access to this data to review and troubleshoot any further. "

I believe the system they are using to check the identity is chex ( sp? ). Never heard of them. Anyone got a website for them?

Hey do anyone know how to get a merchant account with just one charge back on my account i gave them a tracking# and this lady screwed me over really good her bank got the money and she got the products and reversed it on me now im trying to get a merchant account and can't until i pay off 1700.00 worth of collections fees and i dont knw how to fight back other then proving to them i sent the items but she saying she didn't get anything can anyone help me if so email me at businessman06071969@yahoo.com she scammed me out of my money and now they want me to back it back is there anyway around this if so please email me and help me thanks alot

fhussain said: Just an update on this. I called the bank and they were most unhelpful. Your username may be the reason for restricting online apps. Shared with too many "persons of interest".

submit a traditional application.

A couple of years ago I applied for a US Bank checking account online. They opened it but closed it two days later. I called them up, and they wouldn't discuss the issue. After several more contacts, they told me I needed to apply in person at a branch, and that I could not apply online. A short time later I did go into a branch to open an account. No problems at all there. They liked me so much that they also opened a Visa card for me ($7,000 limit that is now $12,000) with the same soft inquiry they used for my checking account. The representative at the branch told me they also ran Chexsystems, and I had no problems there.

To this day I don't know why they wouldn't open the account online as they wouldn't even listen to me (they would never tell me why). Something spooked them. I remember in talking to one person on the phone before going into the branch that he did say there was a note in the computer in capital letters that said "DO NOT REOPEN!" which he has never seen before. Anyway, all I'm suggesting is if you can't open the account online and are confident that there should be no reason you can't have an account with them, just apply in person, as banks are less suspicious of fraud if you do.