ChexSystems Consumer Center
to order a copy of your report or to
see their corporate propaganda.
Want to know what type of information is in your report?
Sample ChexSystems Report.
We provide links to a number of institutions in our
list of good banks.
Bank Web Directories:
Class Action Lawsuit against ChexSystems!
There are efforts underway to build a case
against ChexSystems. An argument might be made that
civil rights are being violated because
ChexSystems' member banks make decisions
based solely on unverified information from
ChexSystems, and that individuals cannot
arbitrate the issues with ChexSystems fairly.
We agree wholeheartedly and encourage you to
ChexVictims community, or
subscribe to ChexSys,
a free mail list. ChexSystems is making our
case for us! Please read this
message we received.
sent online, to your House Representative
thanks to the
Fight Back Against ChexSystems!
Automated Clearing Houses
(ACH), comprised of
do most of the behind-the-scenes work
of getting your money from point A to
Federal Reserve lets you
file a complaint
against any bank (they will refer your complaint
to the appropriate agency should the bank you
are reporting not be under jurisdiction of the
They also produce
a publication describing how checking
The U.S. Treasury also provides some
handy guides with basic
(but well written) information about
checking and savings accounts.
Also from the Federal Reserve is
describing why they think people don't have
a checking account. This "unbanked" is also
this BankRate.com article
about the "unbanked",
regarding credit unions and the unbanked.
The Federal Trade Commission
online complaint form.
(They don't follow up on your complaint,
but simply collect statistics to identify
organizations which might be violating the law.)
You should complain when you feel that either
ChexSystems or your bank is outstepping their bounds.
ChexSystems exists only to allow sharing of data to
help prevent fraud, as explained in this
by the U.S. Treasury. This shared data is, in our
opinion, being misused every day. If you agree,
then let your
voice be heard!
Here's someone else with a very comprehensive
site about ChexSystems:
Getting Around ChexSystems by Jim Lewis.
And there is an
interesting article about ChexSystems
written by author Lynn Hamilton.
Or read the article
"Is Your Bank Account Safe?"
by Melissa Brewer which gives a wonderful
overview of ChexSystems and how it affects people.
Want to know who ChexSystems does care about?
Hint -- it isn't you! Read the
on Deluxe's web site.
Victims Of Credit Reporting (VCR)
details credit reports and what we can do about them.
Post a gripe or search for what other ChexSystems fans
have to say on the
Defeat Chex Systems Board.
Here are additional places to sound off -- the
Bank Rate Banking Forum, the
BankSITE Banking Forum
Credit Card Network - Bulletin Board
Credit Mania Board and on the
Bad Banks web site.
the Shared Check Authorization Network, is a
sister company to ChexSystems and both are
owned by Deluxe. Unlike with ChexSystems, NSFs
reported to SCAN are purged once they are paid.
In theory, once the NSF is paid, it should
automatically be removed from your record within
days. Often times this does not occur and you
will need to notify SCAN yourself in order for
them to take action and clear the record.
You can order a copy of your SCAN report for free
by submitting the
through the mail or by fax. You might want to view a
sample SCAN report
first. SCAN can be reached by phone at
1-877-382-7226, 1-800-262-7771, or 1-425-486-8390.
There are other check acceptance companies.
Although we don't know much about them, we do
know that we don't get anywhere near as many
complaints about them.
is a subsidiary of First Data Corp. Consumers
can reach them by phone at 1-800-366-2425,
1-800-927-0188, or 1-800-336-1054.
National Check Protection Services
(NCPS) can be reached by phone at
can be reached by phone at 1-800-766-2748
can be reached by phone at 1-707-586-0551.
A related topic is Credit Reporting Agencies,
so we list links to those also:
At the federal level, the U.S. federal
Fair Credit Reporting Act (FCRA)
is about the only regulation that applies to ChexSystems,
and it is weak. Each state has its own credit and
banking regulations so perhaps those are the best
places to start looking, should you feel you've been
Although it doesn't necesarily have anything to
do with ChexSystems, please visit
Defend Your Privacy.
House Representative voted NO
then at election time you should throw the bum out!
Extensive information about bankruptcy, credit
repair, credit reports, debt consolidation, credit
cards, loans, and credit problems available from the
Credit Info Center and from
We have seen the future -- and it scares the
hell out of us! Read
Big Banker Is Watching
which states that in the future, in order to open an
account, customers will be required to provide information
about their salary, age, marital status, debt, number of
job and residence changes, education and property owned.
story about invasive banking.
And if that isn't enough to scare you, read
this article about new ATMs
operating today which use biometrics instead
of pin numbers.
How do honest, credit worthy people end up having a
negative ChexSystems report?
closing their account
one day too soon, that is how.
which is a leading publication regarding the banking industry
and personal finance,
submitted an article on ChexSystems, and quoted us!
Additional relevant articles by BankRate.com include
article explaining why banks hold your deposits for five days
and another article explaining how
with new accounts (less than 30 days old) the banks can hold your
deposits for months!
Folks, we need to nip this ChexSystems trend in the bud.
ChexSystems data is being used to CLOSE ACTIVE ACCOUNTS
even if the bank has NEVER HAD AN NSF on the account!
We get reports daily that this is still happening!