I get comments all the time from people telling me that it's darn near impossible to find a real no Chex Systems checking account in their local area, and this just isn't true. I do however perfectly see where they're coming from, and why it is that they believe that. I was once in the same exact situation and felt the same exact way. The internet is a wonderful information tool, but sometimes it can lead to people getting scammed every which way.
After not being able to find a checking account month after month it gets harder to believe that one will ever be able to find an account...and so the feelings of impossible start setting in. I hated this feeling, and more than ever I hated the idea of others going through this just because there are so many telling them how hard it is to find a no Chex Systems checking account.
It's true that banks don't openly advertise whether they do use Chex Systems, Telecheck or some other system entirely, and it's true that it's sometimes hard to get that information out of a bank. But it's not true that it's impossible, or even close to impossible. If you know where to look and who to trust it can be a very easy, smooth and pleasurable experience.
Finding a no Chex Systems checking account with a real FDIC insured bank in your local area isn't what the scammers, spammers, and posters make it out to be. A lot of times it's exactly the opposite. Just remember that not every bank out there uses the Chex Systems, and many, many banks use something else all together.
What I highly recommend that you do is find a source of information that you can truly trust and that understands your situation and where you're coming from. If they understand and have felt your troubles before, they'll be much less likely to feed the wrong type of information or scam you out of your hard earned money and time
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