Thank you for the time spent making available to me your Community Reinvestment Act files.
Your bank's policy regarding ChexSystems is one of the reasons I was compelled to ask to look at your CRA files.
Many banks have one or more of these policies,
which are unfair.
Please do what you can to have these policies revisited.
Your bank may be supporting the competition!
ChexSystems is owned by Deluxe, which also owns Current Checks (aka Checks Unlimited) and Designer Checks. These subsidiaries sell blank checks direct to the consumer and market themselves through direct mail and on the internet. Certainly they appreciate you providing to them the names and addresses of potential customers (via a ChexSystems inquiry) which might be used in a direct marketing initiative.
By supporting ChexSystems, you are helping to fund the organization which competes against you by selling blank checks directly to your customers.
Here are the web sites for the Deluxe subsidiaries: