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Discussion in 'Credit Talk' started by peeper, Apr 12, 2001.
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I would contact someone at the bank (hopefully someone sympathetic) and explain that your check will be deposited on the 25th. Usually banks aren't so quick to react to a negative amount in an account. I know I've been overdrawn MANY times before. See if that may help. At least your making contact with them.
check system questions
Author: peeper (spider-mtc-th024.proxy.aol.com)
Date: 04-12-01 06:43
What happens if a bank reports you to check systems?Can you still open a savings account:
DON'T Know _dose any 1 else have the answer?
The reason i have a 100.00 minus balance is because they charged me 175.00 nsf charges because they kept accepting then returning the same 3 checks.Thanks for any advice or info concerning this post.
Reply To Message===Why don't banks repeat this a 100 times so they can steal some real money:?
What's the limit on this if any????????
Most banks will let you open a savings account if you are on Chex Systems. Usually they don't run a check if you are opening a savings account that doesn't offer convenience checks.
If a check comes back to a business or individual due to NSF that business or individual can submit the check one more time for payment. If a check is submitted more then twice the bank can not accept it. This is the rule for paper checks, the grey area nowadays is EFT's. Electronic Fund Transfers. If a business uses EFT's they can be submitted more then once, all they do is change the dropbox number. I had it happen to me. I hit with 3 NSF charges and when I called them on it, I was told that it was a EFT and they are not governed by the same rules as paper checks. This was two years ago and they could have been lying to me for all I know. But they waived the second and third NSF charge for me. Think this is why CC's want to do all payments via EFT's. Know that my First Preimer has a box that I check every month asking that my payment is NOT EFTed.
Just my two cents.
Chex and savings accounts
A lot of banks won't even open a savings account or a CD if you are on ChexSystems.
I won't know how long it takes Chex to update its reports, so you might be able to switch banks now. But be careful: Some banks will close your accounts if another bank reports you to Chex.
A better option might be to join a credit union if you qualify for one.
Re: Chex and savings accounts
Try and avoid ChexSystems all together. Solve this problem with the banik you are having now.. being on Chex is just a pain in the butt so you should avoid this if at all possible.. if not, then open a few checking accounts right now before thye report you. You will be on Chex for 5 yrs. You can usually open Savings, but not checking once you are on CHex.
Re: Chex and savings accounts
Go to your bank branch in person and ask them to give you until the 25th to bring the account back to positive. Is there anyone you can borrow the money from just in case? Do you have a credit card that you can take a cash advance on? It's really in your best interest to stay off chex systems. It can really screw up your financial life.