As I waited for her, I noticed three new banks just a stone's throw from each other. Literally, one on each corner of the road. What were they thinking? None of the branches looked busy. My guess was they were stumbling over each other to win new bank customers...even ones listed in ChexSystems.
So I took a chance.
I locked the car, hoping Michele wouldn't return right away. Then I picked the bank that looked the newest. I went in and asked to be directed to the person who could open a new checking account for me.
I sat down in the branch manager's office. And as he was going through the routine pleasantries, I noticed him reaching in his drawer for a new starter checking account kit.
I then spoke up and asked, But what if I'm listed with ChexSystems?
His answer shocked me.
We don't use CheckSystems. I'd be happy to open an account for you.
And so he did.
I returned to the car, excited to share my discovery with Michele. We had a checking account from a bank!
What I hope you glean from this is that not all banks or credit unions use ChexSystems. It may seem like it in some cities, but they absolutely are not used by 100% of financial institutions.
How To Get a Checking Account If You're Listed In ChexSystems
The best way is to find a bank that doesn't use ChexSystems to verify new accounts.
Here's how to go about it...
1. Start by making a list of all the bank branches in your area. You'll do better if you stick with the smaller, local banks and avoid the big banks.
2. Call and ask to speak to the branch manager.
3. Inquire about their different checking account programs. (How much money do you need to start an account, how long does it take, can you do it online, what check number will they start you out at, etc.?)
4. Then ask how they verify new accounts. Do they review your credit report? If so, which credit report, and will the credit inquiry lower your credit scores? (Of course, you know the answer to this question is yesbut let's see how many tell you the truth.) Or, do they use a check verification service? If so, which one?
If the branch manager tells you they don't use ChexSystemsyou've got a winner! Be sure to write down the person's name and make arrangements to stop in and open an account. If the branch manager tells you they use ChexSystems...here's what to say next...
...Darn it. I'm listed with ChexSystems and they're a bear to deal with to get something resolved. Is there anything I can do to get an account with you?
If they say, No, ask them...
Do you happen to know of a local bank that doesn't use ChexSystems or a program that can help me open a new bank account?
Sometimes you can speed up your search by asking for help. It will take you only a few seconds to ask, but the right answer may save you hours of research.
A New Trend Developing
I've noticed more and more banks are reviewing credit reports in lieu of using check verification services. Sometimes they even do both! I wouldn't open an account with a bank that does thismainly because their credit inquiry will lower my credit scores. So keep looking.
Banks That Really Care
Some banks are willing to give even bankrupt people a break. If you're searching for a new bank and you think you may have trouble getting a checking account, ask if they have some kind of second chance or fresh start program.
A lot of banks have probationary programs that offer limited services for a set amount of time (usually six months). If you really need a checking account, these programs can be a lifesaver.
There are also two specific services that a lot of banks and credit unions are becoming affiliated with. Basically, these programs allow you to take a course on how to manage a checking account. And when you complete the course, you'll be given a certificate to open a bank checking account with a participating bank or credit union.
The two programs are called Get Checking and InBalance. Get Checking is geared more toward banks, while InBalance is more for credit unions.
So don't be afraid to ask. Remember what Eleanor Roosevelt said...
No one can make you feel inferior without your consent.

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