If there is one thing that I hate more than Chexsystems and banks who use it in a very predatory fashion, it’s scammers and spammers telling people that finding banks that do not use Chexsystems is near if not totally impossible. They usually do this because they want you to believe that “fact” so that you can click on one of their ads or buy into one of their fake online banks…that gives them a nice commission to pocket.
I can’t tell you how much this bugs me! Simply because it isn’t true and they’re just trying to take advantage of your current situation. In addition to that, many people out there are kind at heart and who are going trough the same hell that you are right now will tell you this as well. It’s not because they’re trying to take advantage of you, but because they have been so many times, that they themselves now believe that finding banks that do not use Chexsystems is just about impossible.
Well I’m here to tell you otherwise, and I back it up with proof of my Chexsystems troubles on my site. I’m in Chexsystems for two hits, and at one point was in Telecheck as well. It’s been about two years since I was first added to the systems (arrrgggghhh), and I spent the first year virtually without a checking account, and getting lied to and scammed every which way. So I know a thing or two about this process…although I honestly would prefer not to! 
The purpose of me writing this article for you and all the other Chex victims out there isn’t because I exactly love talking about the subject, but because I love helping people, and I hate seeing people getting lied to and taken advantage of when you’re already in a bad and tough situation.
I’m here to tell you the truth…that yes….there really are plenty of banks that do not use Chexsystems, and a lot of them right in your local area. I guess that’s another huge benefit of living in a free market where banks get to choose which background checking company they do business with.
Now the problem that comes with finding these banks, is that banks don’t advertise which system they use, and they like to keep that under wraps as best as they can, so it’s not always easy getting a hold of that information. This is why I highly suggest that you find a source of information that you can trust and depend on. Also make sure that they have experience and know what it’s like to be without a checking account because of Chexsystems or Telecheck. That way they not only know what they’re talking about…but they’re much less likely to think in a predatory fashion.
Please don’t let Chexsystems 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.