I have been caught in the new account closed by a bank after a check systems/EWS sweep before, and have a question.

I recently opened a new account at a credit union, that says they don't use check systems or EWS..only telecheck. The account has been opened for about 3 weeks, and I have my debit card (I never ordered checks, figuring I would do it later). How long should I wait before transfering my direct deposit and everything else over. I made a deposit at a branch this afternoon, and there were no issues.

I'm probably just paranoid, and don't plan to close my account at my current bank, just wanted to have a credit union account.

Thanks!

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Which credit union is it? Are you also reported to telecheck?

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mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com

Fairwinds Credit Union (www.fairwinds.org) and no, I don't think I am reported to telecheck.

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Do you mind telling us the name of the bank that closed your account in the past due to the Chexsystem/EWS sweep?

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You have nothing to worry about, I would set up direct deposit rught away. Setting up direct deposit also gives a bank or credit union a sense of security in the fact that they know you are serious about the acccount and keeping it right.

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mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com

The bank that closed the account due to EWS was suntrust and I will set up teh direct deposit for my next paycheck.

Thanks!

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yes, unfortunately all banks and credit unions that utilize EWS seem to wait and run the report " after " the account is opened. I have no idea why they wait but they all seem to.

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mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com

MCA,

I've had my present bank account for a year now. What's the odds that they will run a "sweep" on my account for Chexsystems or EWS? I bank with Huntington National Bank.

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m.lm...Anything is possible with a bank that uses chexsystems but I have never heard one person tell me over all these years that they have had an issue with Huntington National Bank. I wouldn't think you have anything to worry about at all. And I do not believe they run " sweeps"

I do know that generally they will not allow anyone on chexsystems to open an account unless there is no debt owed. Some locations will make exceptions in these cases.

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__________________
mca

my list of non-chex banks and credit unions is located at http://www.chexsystemsvictims.com