I am on chex systems and I recently (2wks ago) opened a checking account and saving account online with Suntrust. Everything was electronic as well as a signature. I have received a debit card and i am set up online. I haven't put much money in as of yet because I was worried they might come back and close it. Do you think I'm O.K. or should I lay low for a while.

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Hey,

It may be helpful for you to read the post MCA..question about Sun Trust Bank.

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I read that thread, but I'm still not sure when I can actually feel safe... and start using the account. Is there a window of time that the other accounts were closed or were they closed right away. Any help would be great.

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I guess my question is after opening the account would the bank go back and check chexsystems later to see if you were added. More than likely I will be added to chexsystems soon and I have opened an account at a bank that uses chexsystems. I don't think chexsystems notifies any banks that your in there unless they inquire. If they find out you are in chexsystems and close the account, what can they do but send you the money that is in your account. You could call customer service of suntrust and give them a hypothetical situation. I would say I want to open a checking account and if after opening the account I'm placed in chexsystems by another bank would that have any effect on the status of my account with you. Of course these are just my opinions.

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Usually banks do sweeps of new accounts that they have opened. If they do find you are on Chex there is a great chance that they will close your account.

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When you open the account and they check, would they go back at a later date and check to see if you have been added?

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Some banks will check and run periodic checks with chexsystems on existing accounts. I am not certain if Suntrust is one of them. I don't believe they are. I believe once your account is up and running then you should be fine, especially after 2 weeks. Anything is possible but I believe you should be fine.

I always suggest that you have a back up account when you have an account a any bank that uses chexsystems. Never have all your money in one place.

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__________________
mca

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

SUNTRUST
EMAIL:

Thank you for contacting SunTrust. We do not use Chexsystems. The verification that we use is telecheck and Decision Power. I will tell you that we have been able to approve many people who do have record with Chexsystems, so please give us a try. We offer several checking and savings account options for you to choose from.

- To get an account here please make sure you are not reported to EWS .. if you are, the account may be opened but will later be closed.
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mca

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

today I successfully opened a checking account online in the secure chat.

I am not on EWS or telecheck or Decision Power.

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That is great news... very good luck

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__________________
mca

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

Thanks!

Im opening a CU account just in case.

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I think I am listed with checksystems, and have been denied an account because of EWS, but I was able to open an account with Suntrust online. I went into the branch and made my deposit, and all seems to be well...I'm not going to move any money into the account, and will keep my current account (with a non checksystems bank), as a back up...how long should I wait before moving things over to the suntrust account?

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I would give it a good month before I would feel safe

SUNTRUST


EMAIL:

- To get an account here please make sure you are not reported to EWS .. if you are, the account may be opened but will later be closed.


SPECIAL NOTE: ALTHOUGH SUNTRUST INSISTS THAT THEY DO NOT USE CHEXSYSTEMS, some people have reported to me that they were able to open an account but later they were told the account was being closed due to chexsystems, while others remained open. So this may be one that you might want to try, and I would say that after a month if the account is still open , I would then set up direct deposit etc ( it is always wise to have a back up account and never have all your money in one place)

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__________________
mca

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

Well my un-lucky day came today when I signed on to my online account with Suntrust and noticed my Checking account had been deleted, but my savings account is still showing. I hadn't funded the account because I wasn't sure if it would stay open since being on Chexsystems. I have one entry on Chexsystems from 2006, but I'm not sure how to check EWS to see if I am on there. I know I'm not on telecheck. I was just starting to think I was in the clear.....I guess I will watch and wait for my savings account to disappear. I really wish I could get that 1 blemished deleted off my Chexsystems report it would sure make my life alot easier.

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O.K. Maybe I paniched to soon. The reason my online Checking account disappeared was because I hadn't funded the account yet. I put money in it today(very Little) and it shows up again online. I had the account opened for a while,but was afraid to fund it. I will still keep an eye on it. I don't trust anything yet.

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I will not remove them from my list entirely but at this time this is how it will read on my list

SUNTRUST
EMAIL:
Thank you for contacting SunTrust. We do not use Chexsystems. The verification that we use is telecheck and Decision Power. I will tell you that we have been able to approve many people who do have record with Chexsystems, so please give us a try. We offer several checking and savings account options for you to choose from.
- To get an account here please make sure you are not reported to EWS .. if you are, the account may be opened but will later be closed.

SPECIAL NOTE: ALTHOUGH SUNTRUST INSISTS THAT THEY DO NOT USE CHEXSYSTEMS, some people have reported to me that they were able to open an account but later they were told the account was being closed due to chexsystems, while others remained open. So this may be one that you might want to try, and I would say that after a month if the account is still open , I would then set up direct deposit etc ( it is always wise to have a back up account and never have all your money in one place)

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