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If you've been denied a bank account, it might be because you’ve been reported to ChexSystems, a consumer reporting agency that’s covered by the federal Fair Credit Reporting Act.
ChexSystems provides all consumer disclosure reports and consumer score reports free of charge. If you have been denied an account and ChexSystems was used in the decision process, you can request your consumer disclosure report to help you understand what may have contributed to that decision.
If you've been denied a checking account from a credit union or bank, it's likely due to your ChexSystems rating. View the full details at CU SoCal.
If you apply for a new checking account and your application is denied, chances are it’s because there’s a negative report of your banking history by ChexSystems. ChexSystems is a...
If you have ever had a checking or savings account closed by a bank because of too many overdrafts or other problems with your account, you may have ended up with your name in the...
If you've been denied a bank account because of your ChexSystems report, it's a good idea to get a copy and address potential concerns. Federal law allows you to obtain one free copy of your ChexSystems report every 12 months.
If you have a ChexSystems record, you may be denied a traditional checking or savings account. In that scenario, there are two alternatives that you can explore for managing your money.