Category Archives: Banks No Chexsystems
checkinghelp.com recognizes that your privacy is very important, and to keep you informed about our privacy practices we ask that you please read the guidelines described below. Checking Help is not responsible for the content or the privacy policies of websites to which it may link. The main purpose of this website is to provide information about current offers from various financial institutions. When you apply to any of the banks or credit card offers on checkinghelp.com, we cannot see your personal information. Your application is processed by the specific financial institution to which you apply.
Checkinghelp.com does not collect your personal information. When you are online, general information is collected regarding the pages within our network that you visit but solely for the purpose of analyzing traffic. By “general” information, we mean the state in which you are located and the amount of time, on average, a visitor spends on this site. We only use this statistical to determine the usefulness of this website’s content.
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Use of Information
Use of Aggregate Data
We may collect certain non-personal information to optimize our website for your computer (e.g., the identity of your Internet browser, the type of operating system you use, your IP address, and the domain name of your Internet service provider). We may use such non-personal information for internal purposes, including but not limited to improving the content of our website. Checkinghelp.com may use personally identifiable information in aggregate form to improve our goods and services, including our website, and to make them more responsive to the needs of our customers. This statistical compilation and analysis of information may also be used by checkinghelp.com, or provided to others as a summary report for marketing, advertising, or research purposes.
Confidentiality and Security
We limit access to personal information about you to employees for whom we reasonably believe it is necessary in order to provide products or services to you. We have physical, electronic, and procedural safeguards that comply with federal regulations to protect against the loss, misuse, or alteration of information that we have collected from you at our website.
What else you should know about privacy on the Internet
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- Please be careful and responsible whenever you are using the internet.
What Is Chexsystems?
ChexSystems is an independent company that collects information about your banking history and reports it to banks and other financial institutions. If you have overdrawn your bank account in the past or have a history of bounced checks, the bank has most likely reported you to Chexsystems. ChexSystems and Telecheck are employed to identify bank account applicants who have a history of overdrawn checking accounts and bounced checks.
If you recently applied for a checking account and were denied, you might have been instructed by the bank to call Chexsystems and clear your banking record. Approximately 85% of banks use Chexsystems, but you can open a free second chance bank account online now. Checking Help has a list of banks that don’t use Chexsystems at all. To save the bank money, some banks don’t check Chexsystems for new accounts to avoid having to pay for Chexsystem’s service fee.
Why You Need A Checking Account
Many employers today no longer bother with the hassle of issuing checks and require that you have direct deposit. This can be an embarrassing situation if you need a bank account but keep getting denied because of Chexsystems and don’t want to explain to your new employer that you bounced checks at your last bank and can’t get a checking account.
Because Chexsystems works like a consumer credit reporting agency, if you try to cash a check, even at a popular retail location such as Walmart, they will also run your identity through a check system such as Telecheck or Chexsystems and refuse to cash your check. Without a checking account, you are usually only left with the option of paying a higher fee and cashing your check at a check cashing store or currency exchange, businesses that profit from your past mistakes. The greater the amount of your check, the higher the fee.
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