How to Open a Checking Account in Florida Without Chex Systems

Banks use Chex Systems to check your banking history.

Chex Systems Inc. is a company that provides account verification services to participating banks countrywide, including in Florida. Account verification means that your prospective bank might use Chex Systems to view your banking history, including bounced checks, overdrafts and accounts that were closed while overdrawn. If you have a history of account mishandling, you may find it difficult or even impossible to open a new bank account in Florida. There are, however, many banks in Florida that do not use Chex systems to verify accounts.

Instructions

1. Get a list of banks that don't use Chex Systems to verify accounts. There are over two dozen Florida banks listed on NonChexSystemsBanks.com, ChexAccount.com, and ChexSystemsVictims.com.

2. Choose one of the banks listed.

3. Call the list banks and confirm that they have not started to use Chex Systems to verify accounts.

4. Open a checking account with that bank.

Tips & Warnings

• Try small, local banks, like credit unions. These are less likely to use Chex Systems to verify accounts than larger, national banks.

• Banks are constantly updating their accounting practices and may change the way they do business at any time. This may also prove true for Chex Systems.

References

• Consumer Debit: Chex Systems

Resources

• NonChexSystemsBanks: Banks in Florida
• ChexAccount: Free List of Banks
• ChexSystemsVictims: Guaranteed Accounts