Anybody who has applied for a new checking account but then been repeatedly denied knows the pain and frustration of trying to live your life without a checking account.
A checking account allows you to carry a debit card, ATM card, and write checks.
You can perform online banking, including paying your bills online.
As you are probably already aware, the main reason for getting rejected for a new checking account is something called Chexsystems.
This is a consumer reporting database that banks use to determine whether potential customers are a potential risk.
You may be inspired to contact Chexsystems via their website to protest your being listed there.
Unfortunately, once your name is in this database, getting it removed is like pulling teeth.
Unless you have 5 years to wait! That's how long it takes for reported items to disappear from Chexsystems.
If you are looking for the Chexsystems home page to file a complaint about your name appearing in their database, here are 3 facts to consider: 1.
It is almost impossible to get your name removed from Chexsystems: Getting your name removed from Chexsystems is only possible if you can prove that it is there by way of error.
Even then, it can take weeks to file a complaint and get it removed.
2.
Dealing with the whole process is a hassle: Even if you can get it removed, why do you want to put up with the hassle? Your time is valuable.
3.
A better alternative is to find a non-Chexsystems bank: There are banks that promise to never refer to Chexsystems when reviewing your account application.
Those are the ones to apply to for a new account, since approval is basically guaranteed.