Do banks use chexsystem for opening a savings account with a atm card? My wife had a bad check about 3 years ago which we paid and still use that same account. But we are moving and am worried about opening a checking account? That is why i am wondering if they use chexsystem for a savings account?
IF the bank uses Chexsystems for thier checking accounts they will use it for their savings accounts also. They may even use Chexsystems to see if they will let you use their bathroom.
Yes, they do indeed. cant open a savings any more than a checking. MY experience is odd. they apparently only hold neg info for certain period of years. I had some bunce checks back in the mid 90s and after couldnt get anywhere with a chec king account. I ha dmy mother open me an account in 97 then added my name to it. or should I say added my middle name to it. they asked for my SSN but never ran a check systems on me. thanks god because I think I convienantly inverted a few digits on it After this a month later I had my mother remove herself from the account and it was mine. of course a few years later durring the holliday rus i managed to add up $985 in return check charges. they didnt pay any checks, those are strictly bank fees. I paid the checks because it was my intention to all the time. Xmas time and was expecting a huge amount of money after Xmas. Anyway when I deposited about 9,000$ in my savings acct which they gave me after having the checking acct, they refused to let me have any of my savings money until i settled the 985$ in return check fees. So when I was about to move in 2001 and leave the state I rammed up a bunch more return check fees. paid all the checks but this time left the bank holding the bag for several hundred in fees. they were very mean to me durring the initial time I ran up fees. the manager was a b*tch from Hell and was very mean to me and the wife on the phone. So in 2001 they got theirs. since the account was in the name of a non existent person with a non matching SSN they had no recourse to do diddly squat in the end. late last year I applied for a checking in OK and went thru check systems just fine. the altercation I had in the early tomid 90s had fallen off and as I said before the latest fiasco we had with a checking acct never got connected to me. What I found incredible though was that last year they gave me a Visa card on top of it. obviously a check card but what puzzles me was that I could never get one of those from other checking accts years before when my credit was actually fine. I still had to sign a credit check with this visa check card app, but my 423 FICO didn't disuade them from giving me one. Go figure.
