ChexSystems is a agency that reports on consumer credit and verifies checks. A large percentage of banks use the information provided by ChexSystems to determine your eligibility for a new account with their institution. If you have had an overdraft or fraudulent deposit in the past five years, it is likely that information is on your ChexSystems report. This information may prevent you from opening an account at a new bank. If a bank has denied opening an account for you, you can obtain a consumer report from ChexSystems that will help clarify the reason you may have been denied.
How to Obtain a ChexSystems Report
Visit the ChexSystem website at https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm
Click on the “Agree” button at the bottom of the page to order your ChexSystems report and click "Next".
Indicate “Yes” that within the last 60 days you have been denied a bank account then click “Next” to move to the next screen.
Click “Yes” if you are over the age of 18, the required age to obtain a ChexSystems report online, then click “Next”.
Fill out your personal information and click “Submit”.
Receive your ChexSystems report within two to four weeks.