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NBG
NBG (@guest_1817949)
March 21, 2024 16:37

Opened 1/26 in branch after chex denial online. 3/20 $200 bonus posted.

amtrakrailfan
amtrakrailfan (@guest_1789262)
January 30, 2024 22:08

.

amtrakrailfan
amtrakrailfan (@guest_1789257)
January 30, 2024 22:01

 William Charles I think applying for the “Confidence Checking” makes them less likely to be chex sensetive, because the account is targeted towards people who may have a bad chex record.

Frazz
Frazz (@guest_1787754)
January 29, 2024 12:52

DP from Pennsylvania:

2024/01/23: Applied.
2024/01/24: Declined. Received a message, “We are unable to approve your request based on information provided by ChexSystems, Inc”.

At the time of application, my rough chex stats were:

8/3 months
15/6 months
23/12 months.

Kind of a bummer, because there’s a branch close by to me.

amtrakrailfan
amtrakrailfan (@guest_1790160)
January 31, 2024 23:09

Try the confidence checking. Then wait a couple of weeks before doing the debit card transactions. If you try and do them all in one day they will call you and ask what you are doing.

NBG
NBG (@guest_1784659)
January 24, 2024 12:17

These guys are Chex sensitive. Declined P1 and P2 for Chex

maui
maui (@guest_1784637)
January 24, 2024 11:54

Declined as well

Lakers
Lakers (@guest_1666692)
August 5, 2023 12:50

HP for membership?

Tornado
Tornado (@guest_1666695)
August 5, 2023 13:00

Soft pull.

bank bonus user
bank bonus user (@guest_1649192)
July 7, 2023 18:01

Finally got my bonus today. I had to CFPB them to get it.

bank bonus user
bank bonus user (@guest_1645427)
July 1, 2023 16:39

They are like Truist, and want you to come in branch to fix most issues. I got push back when asking customer service about the bonus not posting on time. I CFPBed them, and they have not yet responded.

JL
JL (@guest_1632200)
June 10, 2023 10:32

Could someone answer a question about CHEX given the following situation?:

Wed, 6/7/23: Applied online

Thurs, 6/8/23: Declined due to not having info from Experian (I didn’t realize I needed to unfreeze it).
So I called Customer Service – I unfroze and re-applied online.
Was approved.
Rceived “Welcome” email and account #.
Registered successfully for online access.
Was waiting for CC funding to come through.

Sat, 6/20/23: Received email alerting me to check for a message in my account.
Tried to login, but saw the message “Your Account is Dormant”.
Called Customer Service and was told that my 2nd application was declined due to the IP Address showing “Virginia” rather than my state of “PA” in addition to my 1st application being declined.
I explained that my data provider uses dynamic IP addresses, and that the IP address does show states other than the one I am in.
She suggested that I visit a branch in person to show my ID.
However, none of their branches are close to me, which is why I chose “Online Only” during the application process.
So my account is terminated.

QUESTION:
In a case like this – where an account was opened and then closed within a few days – is there a way to remove this from my Chex?
It would suck to have this on my Chex record when it ended up being declined.

Anyone know?

JL
JL (@guest_1632202)
June 10, 2023 10:34
  JL

Edit: I meant “Sat 6/10/23” not “6/20/23” in my above comment