According to Wikipedia, some 80 percent of the banks here in the United States do indeed use Chex Systems...not the most pleasant statistic to hear if you're still stuck in Chex Systems like myself and millions of other Americans. But there's something that isn't being closely looked at within that statement....
20% of banks in the states are still banks without Chex Systems!
And that's HUGE!!!
A lot of people out there that are just trying to push their affiliate program or online banking scam will try and tell you otherwise. They'll try and scare you in to thinking that your chances of getting a real checking account with a real FDIC insured bank in your local area is basically impossible. What a huge freakin load of lies!!
I've been stuck in Chex Systems now for about 2 years, and yet I still have two checking accounts with banks just down the street from me that are real and FDIC insured. Did I also mention that my accounts are totally free checking accounts and I have debit cards, checks, online banking...the works?
How can that be? Because thankfully we live in a free market which allows banks and credit unions to choose which systems they want to use, and how they want to conduct their business. This is an important little tidbit here, because this opens up a massive opportunity for you to get a checking account with banks without Chex Systems.
Now that you understand that it's time to actually find those banks, and that's where things get tricky and VERY time consuming to say the least. Do they exist in you area? Of course they do! But you have to know how to find them and where to find them. It's because of that, that the research to find banks that don't use Chex Systems takes so long, and so much effort. Banks also don't like telling you this information right up front, so it sometimes takes a little bit of asking.
So to wrap it up here...can you really indeed find banks without Chex Systems? You bet ya! And I'm proof of that!
Please don't let Chex Systems or Telecheck get in the way of living a normal and happy life. It doesn't have to be that way; there are many banks that offer checking and or savings accounts regardless of your situation in these systems. I'm still in Chex Systems and have two checking and savings accounts with the works at real FDIC insured banks. Let me help you out of this situation that I was once in too and help you find banks without Chex Systems in your area! http://www.getnonchexsystemschecking.com/
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