Académique Documents
Professionnel Documents
Culture Documents
SUNTRUST
https://www.suntrust.com
EMAIL:
Thank you for contacting SunTrust. We do not use Chexsystems. The verification that we
use is Telecheck and Decision Power. I will tell you that we have been able to approve many
people who do have record with Chexsystems, so please give us a try. We offer several
checking and savings account options for you to choose from.
- To get an account here please make sure you are not reported to EWS .. if
you are, the account may be opened but will later be closed.
TRUSTCO BANK
http://trustcobank.com
Trustco Bank is so friendly with new accounts. You have to go into the bank to open the account but they don't even type your
information into a computer. You just sign the papers. You can sign up for internet access and bill pay. Be careful about going
negative though. It's only $25 to open an account!
Here is a new one that looks as if it is going to be a good one ... I also called
several of the locations there and they told me NO they do not use chexsystems
EMAIL:
Thank you for your e-mail. While Capital City Bank does reserve the right to use information
obtained from credit or consumer reporting agencies when opening a new account, it is not
common practice to request such information for new clients.
If you have any questions or need further assistance, please let us know. You may also
contact Capital City Bank Direct at 850.402.7500 or toll-free at 888.671.0400, Monday -
Friday, 8:00 a.m. - 6:00 p.m. ET.
Alicia
Direct Banking
Capital City Bank
LOCATIONS:
Florida
Alachua County
Bradford County
Citrus County
Clay County
Dixie County
Gadsden County
Gilchrist County
Gulf County
Hernando County
Jefferson County
Leon County
Levy County
Madison County
Pasco County
Putnam County
St. Johns County
Suwannee County
Taylor County
Wakulla County
Washington County
FIFTH THIRD BANK
https://www.53.com
Email:
We do have an account called Basic53 checking. This is an where the applicant does not
qualify for regular checking account. To obtain more information regarding this account type
please visit a local Fifth Third location or contact Fifth Third New Accounts directly at 1-800-
275-4858.
Fifth Third Bank values your business and appreciates you as a customer. If you need
further assistance, please email us 24 hours a day or call a Fifth Third Customer Service
Professional at 1-800-972-3030. They are available Monday through Friday from 7 AM to
Midnight and Saturday and Sunday from 8 AM to 5 PM ET.
Sincerely,
Codi
Customer Service Representative
PLEASE NOTE THAT Fifth Third is now using EWS. After a week of the account
being opened, they will run EWS and if you have any negative, they will close the
account. Please be sure to find out if you are reported to EWS prior to trying to
open an account with this bank.
Special notes:
Apparently people are being approved. This is the 3rd person to say they were that I am
aware of.
Fifth Third Bank has an account called Basic53 which allows customers a checking accounts
who is currently on chexsystems. I called the customer services number and the rep could
not identify me due to the fraud alert on my credit report. I went to the local branch and the
rep took all of my information and instantly approved me not for the basic53, but for a FREE
CHECKING ACCOUNT. I am so happy right now. So if anybody have a FIFTH THIRD BANK in
their area and is currently on chexsystems i recommend this bank. OH AND BY THE WAY,
MY CHEXSYSTEMS REPORT IS HORRIBLE.
---- it has been reported that the report must be paid and not show fraud
People's Alliance Federal credit union
http://pafcu.org
I asked if they use chexsystems, telecheck or a credit report and here is how they responded.
EMAIL:
Thank you
Jennifer
Senior Operations Manager
People's Alliance FCU
Membership requirements:
Miami and Hialeah, Florida.
If you live, work, worship or attend school within any of the above boundaries you can save and borrow at People's Alliance
Bank Of America
URL: www.bankofamerica.com
-Most people reported to chexsystems have been able to get accounts with Bank of America. Most are
still able to get account and others are being denied. This is one that you may want to consider taking a
shot at. Once the account is opened, it will not close unless there is a problem with the account.
(I had one person that was closed after 6 months because he lost his debit card and requested a new
one. Apparently this made them run a check on him and they decided to close the account)
. So this may be one that you might want to try, and I would say that after a
month if the account is still open , I would then set up direct deposit etc ( it is
always wise to have a back up account and never have all your money in one
place)
*** They also offer business accounts and it has been reported that they will only run the
Corporation or the LLC through chexsystems not the signer ***
Grow Financial Federal Credit Union
https://www.growfinancial.org/index.cfm
-does not use chexsystems
Membership:
Are you eligible to become a member of Grow Financial?
If you fall into any category below, the answer is YES!
None of these describe you? Not to worry—you can still become a member of Grow Financial!
Just join the Friends of Military Families, LLC and become instantly eligible for membership.
And remember-once you become a member of Grow Financial, you're a member for life, even if
you change jobs or move away.
What does it cost? Only $10.00. $5.00 is your lifetime membership fee (one-time, non-
refundable) and an additional $5.00 deposit opens a Savings (Share) Account. This $5.00 deposit
represents one Credit Union share and must stay in your account as long as you are a member.
Email:
Thank you for emailing Grow Financial Federal Credit Union's Contact Center. We appreciate
your inquiry on what information we use to open new accounts and we are happy to provide
you with that information.
When a new account application is received, we pull the credit of the applicants. The
information found on a credit report provides us with necessary information that we use to
determine what products and services you qualify for and which ones will best suit your needs.
This information is kept confidential and secure.
I make it my personal goal to resolve all of your concerns. I hope I have done that for you today
We appreciate your business and thank you for your membership with Grow Financial Federal
Credit Union. Should you feel your concerns are not resolved, please reply to this e-mail. If you
have questions regarding a different matter, please submit a new inquiry from our web site.
Nathan
E-mail Specialist
Member Contact Center
Grow Financial Federal Credit Union
Membership:
Anyone who lives, works or attends school in Alachua, Clay, Columbia, Lake, Marion or
Sumter counties is eligible for membership.
Email:
Good morning
We pull Credit through Equifax.
Have a great day,
Miryam
EMAIL:
We use telecheck and your Equifax credit report.
Thank you
Florida Credit Union
- To qualify for membership you need to live, work or worship in one of the following counties: Alachua, Gilchrist, Marion,
Bradford, Union, Southern Clay or Columbia counties or if you have a family member that is a member here.
Thank you
----------------------------------------------------------------------
EMAIL:
We require a valid drivers license and social security card. With a checking account we will pull credit.
Natalie
Membership requirements
Anyone living or working in Palm Beach County
Individuals holding a professional license from the State of Florida
see web site for other options.
Updated email from 12-3-07
We do pull your credit report to establish a checking account.
Thank you,
Sandra
MID FLORIDA FEDERAL CREDIT UNION
http://www.midflorida.com
EMAIL:
We use a credit report from Equifax.
Please let me know if I can assist you further.
Thanks,
Jason
MIDFLORIDA E-Services Manager
Good Morning:
Thank you for your recent email regarding MIDFLORIDA membership. To become a
member you must live or work in one of our chartered counties (Polk, Highlands,
Sumter, Hardy, Okeechobee, Desoto, Glades, Poinciana area of Osceola County, Dade
City area of Pasco County, Hernando County East of 75, Martin County West of 609). A
regular savings account with MIDFLORIDA makes you a share holder in our
organization. A $5 initial deposit is required and dividends earned are compounded and
paid monthly. We recommend that you maintain $100 in the regular savings account to
avoid deterrent fees. You will need to visit the nearest branch and bring with you a valid
state issued id as well as your social security number. MIDFLORIDA will obtain a credit
report prior to opening an account for you.
Please let us know if you need any other assistance. Thank you for considering
MIDFLORIDA Federal Credit Union!
Sincerely,
Carmalita
Online Services Specialist
-------------------------------------------------------------------
EMAIL:
1st CU uses a Credit Report from Equifax.
Regards
Marilyn
Member services
Membership is open to anyone living or working in the Gainesville area. If you are a registered voter and a resident of Alachua,
Bradford, Gilchrist, Levy or Union county, you are also eligible for membership
KENNEDY SPACE CENTER FEDERAL CREDIT UNION
http://kscfcu.org
EMAIL:
We pull credit report.
Please let me know if you have further questions.
Thank You,
Ann
Updated email 12-2-07
The Credit Union uses Equifax Credit Services for new account verification. Thank You.
You are eligible for membership if you live, work, or worship in Brevard or Volusia County
-----------------------------------------------------------------------
EMAIL:
Eglin Federal Credit Union does not use any of the systems you mentioned. The
requirement for a new account is to qualify for membership. If you go to our
website www.eglinfcu.org you will find the list to qualify for membership.
If you have any questions feel free to call me at (800) 367-6159 ext. 1220.
Sincerely,
Barbara
EMAIL:
2/2/04
Old Florida Bank verifies new accounts by pulling a credit report on each authorized signer on an account. If you have any
further questions please feel free to contact us again. Thank you for your interest in Old Florida Bank.
Melody
Executive Assistant
Old Florida Bank
---------------------------------------------------------------------
BANK OF PENSACOLA
http://bankofpensacola.com
EMAIL from 12-02-07
We do use Equifax to verify new accounts. If you have any questions please call us at 436-7800 so we can further assist you.
Thank you,
Sharon
I asked them if they used chexsystems as well and they said no. Equifax and Chexsystems are two separate entities
----------------------------------------------------------------
---------------------------------------------------------------
COMPASS BANK
They use Telecheck and a credit report
Email below:
We do verify through Telecheck and we do a credit inquiry. You will also need to have 2 forms of ID to open a new accounts
Message from Compass Web.
********PLEASE NOTE THAT THIS BANK NOW USES EWS. PEOPLE HAVE BEEN TURNED DOWN DUE TO EWS, DO NOT
APPLY FOR THIS ACCOUNT BEFORE SEEING IF YOU HAVE A REPORT ON EWS ********
-USE CHEXSYSTEMS BUT ANYONE THAT QUALIFIES FOR MEMBERSHIP CAN GET A SAVINGS ACCOUNT
EMAIL:
Thank you for your recent email. If you qualify for membership you may open a savings account. If it has been 2 years from the
date the account was paid in full then you could possibly be approved for a checking account. If you have any further questions
please contact us again.
Nekole
AACFCU
800-448-4096
Everyone who lives, works, worships, and attends school in Walton County, Florida IS ELGIBLE
-------------------------------------------------------------------
EASTERN FINANCIAL
http://effcu.org
-chexsystems must be paid and not indicate fraud
Anyone who lives in Dade, Broward, or Palm Beach Counties or if you are employed by one of their sponsor groups. They have
an account called fresh start checking. It is only $5 to open (must also open a $5 savings account) and has a $10 monthly fee. If
your account remains in good standing for a year, you can switch to one of the regular checking they offer with no fees. It offers
all the features of a regular account, including up to $300 free overdraft protection. It does require direct deposit of at least $500
dollars a month. If you are really in need of a local bank, this seems to be the best option. It is an account especially for people in
chexsystems.
Please note: this account can be switched to a regular checking once the account is in good standing for 6 months.
---------------------------------------------------------------------
VANGUARD BANK
http://vanguardbank.com
EMAIL:
------------------------------------------------------------------------
FIRST COAST COMMUNITY BANK
http://fccbank.com
EMAIL:
Any new account we open is run through Equifax.
Let me know if you have any other questions.
Thanks
------------------------------------------------
http://jetstreamfcu.org
http://peopcu.org
AND
You too can join Peoples Credit Union if you live, work or own property in Miami-Dade or Broward Counties
I went to people’s credit union here in Florida, they explained that they hold approx. $225.00 in a savings
account and then you can get a checking that they charge $10 a month. There are some other fees. I
realize you have spoken with them before, but I am just trying to give first hand knowledge. They also
said that in one year you will not be able to get a regular checking account, unless you are out of
chexsystems. They are not like Chase my access
--------------------------------------------------------
http://keywestbank.cc
-----------------------------------------------------------
http://1stnatbank.com
CHASE BANK
http://chase.com
Chase Access Card limit of $400 per day for ATM and cannot
be increased
Other Benefits:
0.25% interest rate discount for home equity loan with
automatic payment (subject to credit approval)
Free Online Banking with Free Alerts
Thank you,
Becky
Internet Service Center
BANKCO POPULAR
http://www.bancopopular.com/us/personal/us-per-home-en.jsp
FOR BUSINESS ACCOUNTS ONLY must be a corporation or an LLC SEE EMAIL BELOW
EMAIL:
Dear Customer,
Thank you for your response. Banco Popular will access ChexSystems
database to obtain information based on the ITIN for the business
not for the authorized signer. However, if it is a Sole Proprietor
or Sole Proprietor DBA, and your social security is going to be used
to identify the account, the information obtain will be the one
under your social security number.
Thank you for banking with Banco Popular, and remember it's always a
pleasure to assist you!!!
Sincerely,
Thainel
Banco Popular North America
Popular Net Banking Team
EverBank
URL: www.everbank.com
Important Information:
It has been reported that they are very picky about the credit situation, but going in person to a branch we
have been told that they are lenient and do not care as much about the credit
Email:
Thank you for your message. Your over all credit report is what we use for reviewing applications. Should
you have any further questions, please feel free to contact our Customer Care Center 24 hours a day, 7
days a week toll-free at 888.882.EVER (3837) or if you prefer, email us at service@everbank.com.
Happy EverBanking!
Tracy
Customer Care Specialist
Email #2
Email #3
We are not looking for a particular credit score we use the credit report for
verification purposes since we have to be in compliance with the Patriot Act
"knowing your customer" You can apply at www.everbank.com and once you have
completed the application you can print the application and mail it in to us.
George
URL: https://www.tabbank.com
Special Note
It has been reported that this bank does not use chexsystems and that ANYONE can get an account with
them
Email:
We have used Chexsystems in the past, but we are not using them at this time.
Thank you for your inquiry.
Debbie
New Accounts Supervisor
Transportation Alliance Bank
(801) 624-4831
(800) 355-3063 EXT 4831
Important Information:
****** you can fund your account with a credit or debit card , FOR INITIAL DEPOSIT ONLY *****
The BEST way to fund your account on a regular basis is by Direct Deposit of your paycheck. With Direct
Deposit, you’ll get Online Bill Pay for FREE.
+ Direct Deposit Request Use this form to notify your employer (or other source) to begin placing deposits
in your new account automatically.
https://tabbank.com/home/custserv/applications/directdepositauthorization.pdf
The FASTEST ways to get your account funded and started are found below:
+ Make deposits using 3rd Party Checks: ComCheck, T-Chek, EFS, TCH-Check, or even Western
Union®. These are considered guaranteed funds and are available within an hour. They can be done 24
hours a day, 7 days a week by calling our customer service department.
+ You can send money from an external bank account by wire. You will have same-day access to your
money.
+ You can request money from an external bank account by ACH transfer, which you must set up before
hand. You will have access to funds within two business days. 90 days after opening your account you
can apply for Transportation Alliance Bank Express ACH , which gives you access to transferred funds
within one business day.
+ You can also buy a Flying J gift card at any Flying J and call our customer service department to
deposit that money into your account.
Membership:
You live, work, worship or learn in Duval, St. Johns, Clay, Baker or Nassau County you can get an account
Special Notes:
They only pull a credit
report. You can get a savings if your score is too low. However, if
you do direct deposit into savings, after a month, they will open a
checking with a limited debit card.
If you have any questions or would like to view the non-chexsystems nationwide list of banks and credit unions ( for
anyone regardless of where you live) please join my forum at www.chexvictims.net