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Posted: Sun Aug 19, 2007 5:07 am Subject: Does WAMU checking account.....?

Does anyone know if WAMU checking account (online) does a chexsystem or teletrack or any of the many other checks to see if I qualify? I noticed that they want my ss number and drivers license number on the online appllication. Any help would be great with this.

thanks

Posted: Sun Aug 19, 2007 5:17 am Subject:

Luke - I checked into WAMU myself, and if I remember right, the one thing that stopped me was that I had to have an existing checking account to transfer funds into my WAMU account, and then I could close my old checking account. They didn't want it funded from a savings acccount.

I can't remember if they said they used Chexsystems - Teletrac wouldn't play into it - that's only for payday lenders and rent-to-own retails stores. Telecheck might play into it, though.

Posted: Sun Aug 19, 2007 5:18 am Subject:

ok, thanks suebee, that helps. have a great day

Posted: Sun Aug 19, 2007 5:28 am Subject:

you too!

Pat · Posted: Sun Aug 19, 2007 6:59 am Subject: Wamu checking

Hey Lukeskywalker,
If you open the account online, they do not check chex. If you go into the bank... they do. I know this from experience. Who knows, sometime that may change, so, If you are going to open one I would do it right away.
Pat

Posted: Sun Aug 19, 2007 7:00 am Subject:

thanks Pat

Posted: Sun Aug 19, 2007 1:48 pm Subject:

thanks pat

Posted: Sun Aug 19, 2007 9:48 pm Subject:

I opened my account online and they didn't deny me and I know I have been reported to chexsystems. Knock on wood that they don't go and check my chexsystems and close my checking and savings account. There customer service reps are very friendly and always willing to help.

ladybug

Pat · Posted: Mon Aug 20, 2007 6:56 am Subject: wamu

They never closed mine. You should be fine.

Glad I could help
Pat

Posted: Mon Aug 20, 2007 1:33 pm Subject:

geez I hope so.

ladybug

Posted: Tue Aug 21, 2007 4:24 pm Subject:

I donkt miss a regular checking account, I have another one that is just as good. I just donkt have paper checks. And you know what, I think that is a good thing, because I can never go to another payday loan store, or have to write a check that may bounce, etc. Maybe I will just stay where I am at. Thanks for all the advise, and I would still appreciate your commments about this.

thanks

Posted: Tue Aug 21, 2007 8:25 pm Subject:

I know speaking from expierence of my own I never write checks only for bills otherwise I use a debit card for store purchases that are paid for right then and there. I have been down that road of bouncing checks and no thanks never again.

ladybug

Guest · Posted: Wed Nov 14, 2007 11:19 am Subject:

Yes they do. They opened an account for me online and then two weeks later when I went to the drive thru to withdraw funds, there was a freeze on the account. I had to go inside to find out what the problem was. Turns out my name came up on chex systems and they planned to close my account. I just hadn't gotten the letter yet. But two weeks after the account was closed, I got checks in the mail anyway. I'm going to take them to the bank so THEY can shred them themselves!

Posted: Wed Nov 14, 2007 11:30 am Subject:

they approved me online and i am in chexsystems. i decided not to use them because the nearest branch was in another part of the state and i did not want to pay the extra fees to withdraw my money from a atm

Posted: Wed Nov 14, 2007 12:46 pm Subject:

Unfortunately it is really dumb if you ask me and I believe there should be a law against it ...but banks such as WAMU, Wachovia, and Wells Fargo are well known for opening accounts for customers and then later they will run random checks , freeze, and close the accounts if you are on chexsystems.

People have been told by branch managers that it is okay they even have a report on chexsystems but once loss Prevention makes a decision to close the account, it really doesn't matter what the manager had said.

For that reason, I really would not trust all of my money with one of these banks. If you are going to use a bank like this, definitely find a " back up" account just in case.

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