Looking for a list of which banks do not use ChexSystems? You can stop looking because here’s why that no longer matters.
ChexSystems is a type of credit report function banks use to determine the worthiness of anyone applying for a checking account. If you have had a problem in the past with overdraft fees or a charged off checking account, that bank probably reported you to ChexSystems and that information is reviewed by any future banks with whom you attempt to open a checking account. If you are in ChexSystems, you will probably be denied a checking account.
In addition, there’s another deposit reporting system out there called Early Warning Services which was started by Bank of America and is now networked with a number of large institutions. Any issues you have had could have been reporting to one or both of these services.
You know what, though?
It doesn’t matter.
