ChexSystems Is Not The End

There cannot be enough said to tell you that even though everything looks to be a hassle – you can do this and you do not need to despair. I have been down this road a thousand times. I know nothing is more discouraging than when you try to open an account and they smack you down with a denial. It’s embarrassing and heart wrenching as you feel the stabs of condemnation from the bank employee. That’s how it feels – I know.

Let me tell you something that you may not believe but the bank employee is not judging you. It feels like it but I worked in a bank for more than a decade and no one is judging you. Sometimes the employee tries to help and truly empathizes with you and other times they actually do not care – but in the end they are not judging you. I have had Doctors, Lawyers, Rich and Poor come to me and they had a record for one reason or another so relax – the bank employee sees it several times a day and they are never surprised and see it so often they are not judging you.

Now I know much of this site is somewhat redundant when I tell you to relax, no worries . All you need is to modify your behavior a little.

The first is to get the account. Then get the information to your payroll department. From that point forward you money will be deposited into the account and you can pull the money out with your ATM card. You can shop at the grocery store, gas station etc all with your debit card. It’s simple, easy, and you suddenly feel established and can function without a hitch with your employer.

When it comes to paying bills you simply start plugging in your payee information into the online bill pay and you can send checks to those you owe. Have a car payment? Set it up on online bill pay. Paying rent to your landlord? Set him up on online bill pay – it will make you look more legitimate.

Once in awhile you need to pay someone some money for one thing or another – sending money orders looks like you are operating on the fringe. Send a check through online bill pay and suddenly you are an internet saavy financially smart person. The one I know everyone hates is when they have to send money to a co-worker or family member and yet do not want to send a money order. You can send the money direct to the person through online bill pay or you can send the check payable;e to the person to your personal address and then mail it out.

Debit cards!

These are the miracles of all time. I have been using a debit card only for many years now. That’s right – the same type card you are getting with these accounts is the same type of card I have been using for years without troubles. I go to grocery stores, gas stations, even Carls Jr – all with a debit card just like the 100% approval account.

Believe me yet? I hope you do because everything I am saying is 100% true and from personal experience. I have seen the despair in the eyes of so many as they walk out of a bank branch feeling they have no options. I hated it for years – especially knowing alternatives of what customers could do but I was not allowed to tell them. It was a terrible situation. But now with the accounts on this site you can get moving without concern for anything.

You should also take a look at the card that builds credit. I know it is not advertised as a ChexSystems alternative but with its features and benefits it will cover you for all your needs. Plus the bank is an FDIC institution, and an excellent work around that reports your card to all the credit agencies. So now you are getting re-established and building credit. Now it requires a bit of a secured deposit but you need to pull it together and get started. Once you begin stick with it and you will be on track again.

A special note for readers – as we proceed I am going to be working on adding notes on some ways to get back into your regular bank. The best thing to do is start with the accounts on this site and then work in the techniques I will put down later for getting re-established with your local branches. You should be happy we are in the age of the internet this was really hard before the net .

For those of you that are terrible analytical please know that yes there are other options. But every option is going to cost you a little money in fees – but the selections I have highlighted in this site are really great ones to choose. You can spin around and around trying to find better options… but if you think your local branch is going to give in – think again. Get set up then work on your local banker over time. Putting off getting re-established now just hardens the problem.