ChexSystems
For developing and profiting from the terribly flawed system known as the ChexSystems Network. If you are curious as to what the people on the inside at ChexSystems are like then please read this message we received.

Deluxe Corporation / Deluxe Check Printers
For funding ChexSystems and its ilk (e.g., the abominable Debit Bureau.)
Join our boycott of Deluxe and its subsidiaries Current Checks, Checks Unlimited, and Designer Checks by having someone else from the Yahoo - Banking:Checks Index print your checks!

Wells Fargo
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems. Update: We recently learned that if you have a Wells Fargo account and receive a notice from them telling you that your account will soon be closed, you can act quickly and possibly save the situation. Call Loss Prevention at 1-888-231-0757, and explain to them that you have additional checks that have not cleared yet and ask for a ten day extension. Once the remaining checks clear, then close the account yourself before the extension expires. This way your account might not get reported to ChexSystems as "closed for cause".

Wells Fargo
Shows up TWICE because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Norwest Bank
Even though Norwest is now owned by Wells Fargo, they still get their own place in the Hall Of Shame for closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

First Union Bank
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Bank Of America / NationsBank
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems. Pretty brazen, for an organization that itself has had to explain its previous actions -- see this story of where California governments are accusing B Of A of fraud, theft, conspiracy, and the willful destruction of evidence. Or read this article on how Nationsbank settles class action suit as a result of fudging with the way that they clear checks so that more checks would bounce generating additional NSF fees.

Bank Of America / NationsBank
Shows up TWICE because they have reported to ChexSystems incidents even though any monies owed were paid BEFORE the incident was reported to ChexSystems.

Bank Of America / NationsBank
Shows up a THIRD time, because they have reported to ChexSystems spouses, regardless of whether or not the account with the problem was a joint account.

Washington Mutual
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems. The CEO, Kerry Killinger, can be faxed at 206-461-5739 should you wish to let him know what you think of his troops.

Washington Mutual
Shows up a TWICE because their Loss Prevention department apparently has been refusing calls from people asking to discuss incidents filed with ChexSystems.

Fleet Bank / BankBoston (Fleet Financial)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

US Bank
Because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Bank One / First USA
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.
Must really be a crummy organization if they even have their own Beware of Bank One fan page! Ironically, these people own an online bank, Wingspan.com which is one of the better online banks.

Bank One / First USA
Shows up TWICE because they issue multiple requests with ChexSystems. Each time a bank or credit union requests a copy of your record, that request is tallied at ChexSystems. If ChexSystems sees three or more requests in the past ninety days, then that fact alone carries the same weight as a negative "closed for cause" record. In effect, Bank One is stopping you from going to a different bank.

Citibank
Get this ..., they don't want employees of their credit card division to use their own bank branches -- apparently for security reasons. But recently they mandated that their paychecks are to be distributed by direct deposit only. Then some employees who had Chex records protested saying that they cannot get accounts anywhere else. Citibank backpedalled, partially, and now allows savings-only accounts to their credit card division employees. This would be funny if it weren't so sad.

Citibank
Shows up TWICE because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Glendale Federal
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Union Bank of California
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Union Bank of California
Shows up TWICE because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Union Bank of California
Shows up an extremely dishonorable THREE TIMES! This time because they purchased check-cashing joints thus proving that banks are abusing the ChexSystems Network and finding ways to squeeze extra profits from the people who can afford it the least.

California Federal
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems. To make things worse, will freeze any funds left in the closed account for a long period of time.

California Federal
Shows up TWICE because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Guaranty Federal Bank
(CA, TX)
For closing an active customer account which was in good standing only because the accountholder's spouse had an incident reported to ChexSystems This occurs often when the account is a joint account, however Guaranty did this even for individual (non-joint) accounts!.

UMB Bank (MO, KS, IL, CO. OK, NE, IA)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Commerce Bank (MO, KS, IL)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Key Bank (KeyCorp)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Key Bank (KeyCorp)
Shows up TWICE because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Fifth Third Bank (OH, KY, IN, FL, & AZ)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Fifth Third Bank (OH, KY, IN, FL, & AZ)
Shows up TWICE for drawing from an accountholder's checking account to cover a late loan payment (without authorization, according to the person who notified us), and then reporting that (overdrawn) account to ChexSystems. Another example of how ChexSystems enables banks to mess with people in ways that would otherwise be illegal.

AMTrust Bank (OH, AZ, FL) Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

AMSouth Bank (AL, FL, GA, TN) For charging fees after an account was closed and then reporting that account to ChexSystems due to nonpayment of those fees.

SouthTrust Bank
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems. (Except in Georgia, where they offer a money management course option instead.)

Philips Credit Union
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Transatlantic Bank (Miami, FL)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Union Planters Bank (Miami, FL)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Commercial Bank Of Florida
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Manufacturers Bank Of Florida (Tampa, FL)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Fairwinds Credit Union (Orlando, FL)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Florida Transportation Credit Union
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

SunTrust Bank (Florida)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems. (Note - before merger with Crestar Bank.) Additionally, ask the branch location in Davie, FL why they won't fly the American flag out front. You will be insulted with their reason.

BSB Bank (New York State)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Seneca Federal Savings & Loan (New York State)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Solvay Bank (New York State)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Direct Credit Union (Needham, MA)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Chevy Chase Bank (D.C., Maryland, Virginia)

Great Southern Bank of Springfield, MO
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Great Southern Bank of Springfield, MO
Shows up TWICE because they refuse to submit the followup "all items owed have been paid" indicator (except for a fee!).

First Community Credit Union, St. Louis, MO
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Security National Bank (Manhattan, KS)
Because they won't allow customers to open a Savings account (or allow the purchase of a CD) if they've had any prior incidents reported to ChexSystems. (Please don't confuse these people with Security First Network Bank which is a wonderful online bank.)

LaSalle Banks (Illinois)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

AT&T Teletype Federal Credit Union (Illinois)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Harris Banks of Illinois
For freezing an account without notifying the account holder, and then reporting to ChexSystems for NSF -- even though the drafts were written even before the freeze was issued.

First Internet Bank of Indiana
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

North Shore Bank (Wisconsin)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Credit Union of Denver
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Butte Community Bank (California)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Santa Monica Bank (Los Angeles)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Comerica Bank (California)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Coast Central Federal Credit Union (Eureka, CA)
Because of their practice of opening accounts, then closing the account a while later after performing their verification with ChexSystems and after they already have your money.

Bank of Oakland (California)
Because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Sanwa Bank (California)
Because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Amcore Bank
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Old Kent Bank
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Branch Banking And Trust (BB&T)

National Bank of Arkansas (NBA)
For reporting to ChexSystems customers even though the customer has already reconciled the account some time before the incident was filed.

First Tennessee National Bank (Memphis)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

San Diego National Bank
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

NBD - National Bank of Detroit
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems. (NBD merged with Bank One).

TCF National Bank (MN, WI, IL, CO)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Northeast Bank (Minnesota)
For being rude to a customer after learning the customer has a ChexSystems record.

National Penn Bank (Pennsylvania)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Austin Area Teachers Federal Credit Union
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Cooperative Center Federal Credit Union (Berkeley, CA)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Texans Credit Union
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Union Bank and Trust (Lincoln, NE)
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Xerox Federal Credit Union
For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems.

Sierra Central Credit Union (Chico, CA)
Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Wachovia Bank (Georgia) For closing active customer accounts in good standing only because that customer has had an incident from a different institution reported to ChexSystems. To make things worse, ... reports this closure back to ChexSystems causing there to be TWO negative items.

Bank Independent (Alabama) Because they won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Zions National Bank (Utah)
Because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems.

Kitsap Bank (Washington State)
Because they also won't allow customers to open a Savings account if they've had any prior incidents reported to ChexSystems. Also, for being very rude to those who they find out are on ChexSystems.