> What is ChexSystems?
  > Who gets listed?
  > How long am I on the list?
  > How do I get my ChexSystems report?
  > How can I be removed?

What is ChexSystems?
ChexSystems keeps a database of people who have a bad track record with one or more banks. Banks use ChexSystems to review your banking history. If you have a negative listing in the ChexSystems database, it can be very difficult to open a new account — checking, savings, or other account — often taking as long as 5 years.

Who gets listed?
There are several ways to get listed with ChexSystems. For example, you or someone you shared your account with owed the bank money at the time the account was closed. Or your account was closed because of too many "Insufficient Funds" notices.

Whatever the circumstances, you should also keep in mind that some banks will check to see how many inquiries have been made on your Chexsystems record. If there have been several, you might not be able to open a new account.

How long am I on the list?
Your information stays in the Chexsystems database for 5 years unless there's a legitimate reason to remove it.

How do I get my ChexSystems report?
If you contact ChexSystems and tell them you have been denied an account in the past 60 days, they will send you your report at no charge (most of the time, they won't even ask for proof). Otherwise, there is an $8 charge.

When contacting ChexSystems by mail or fax, be sure to always include your name, address, and Social Security Number (SSN).

You can request a copy of your ChexSystems report by visiting their web site.

The address is : http://www.chexhelp.com/

You can also request a copy of your report in by writing directly to ChexSystems at the following address:

Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

For further instructions, call ChexSystems toll-free: (800) 428-9623 or fax at 602-659-2197

How can I be removed?
When you join PassChecking, we'll show you how to put the Fair Credit Reporting Act on your side. Our ready-to-use forms and letters will help you remove derogatory information from ChexSystems and put you on your way to your next bank account.

We keep a list of Non-ChexSystems banks nationwide that are FDIC-insured and will open an account for you right away. Many of these banks offer instant online sign-up, as well as Visa or MasterCard debit / ATM cards.

To access this list, just sign up for our service today.