In California, Technology Credit Union in Mountain View, Milpitas, San Jose, and Sunnyvale are said to overlook ChexSystems record negatives so long as you are able to produce a letter or other evidence from the reporting bank that "all items owed have been paid". Please see non chexsystems Credit Unions for more information (coming soon).

We've been told that Golden1 Credit Union has branch locations throughout the state and is willing to negociate negative incidents listed with ChexSystems. As stated, this is a credit union, thus customers must be eligible for membership. However, anyone who lives or works in one of these counties or works at one of these companies is eligible. See our non chexsystems Credit Unions for more information (coming soon).

One of our highly esteemed readers states that Bay Cities Federal Credit Union in San Leandro and Hayward looks at the past two years of your ChexSystems history, only. In addition, they will grant savings-only accounts regardless of your ChexSystems record. With a savings account you can use services such as PayPal, which uses EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Call (510) 881-8866 for directions to either location.

Got a tip stating that San Mateo Credit Union will open a savings account regardless of your ChexSystems record. Again, this is a credit union, so you have to be elegible for membership. However, anyone who lives, works or worships in San Mateo County qualifies. Please see our non chexsystems Credit Unions for more information (coming soon). With a savings account you can use services such as PayPal which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.

The chexsystems guy reports that the Bank Of Santa Clara does in fact use ChexSystems, and will not open accounts for those with chexsystems negatives. Just so, there are a said to be a few human beans that will open an account for you as long as you can show that the negative has been paid.

Yet another credit union, San Francisco Federal Credit Union, is said to okay a savings-only account to folks, regardless of their ChexSystems history. As a credit union, you must be eligible for membership to join -- but apparently anyone who lives, works or worships in San Francisco qualifies. Please see our non chexsystems Credit Unions for more information (coming soon). With a savings account you can use services such as PayPal, which uses EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.

The ChexSystems guy states that a few branches of US Bank may consider opening an account for clients if the negative reported is more than one year old, was not reported by one of their banks, and you have proof that you paid the negative. They can be reached at 1-800-872-2657. The branch locations in Downey, Bellflower, Walnut Creek and Modesto have negociated with people holding a negative in their ChexSystems record. Maybe this criteria will work at other US Bank locations. Please let us know!

Spam Guy (you can trust him) states that Broadway Federal Bank, which has eight branch locations in Los Angeles, will open a savings-only account for you as long as you can show proof that the negative has been paid. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.

We've heard that Union Bank of California offers savings accounts regardless of one's ChexSystems history. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. In addition, applications filed online from their website are often approved for a checking account, yet the same applicant would be denied at a walk-in branch.

Chexsystems Guy told us that Bank of America has changed their ChexSystems policies and are much more into negociating now.

Downey Savings is said to ignore any negatives on your ChexSystems record that are more than three years old.

In Northridge, Matadors Federal Credit Union is said to open savings-only accounts regardless of one's ChexSystems record. Membership eligibility includes students and faculty of CSU Northridge. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Please see our non chexsystems Credit Unions for more information (coming soon).

Hollywood gal states that First Entertainment Credit Union serves employees and their families in the entertainment industry. The list of member employers totals 600 different companies. Please see our non chexsystems Credit Unions for more information (coming soon).
This credit union will okay ATM Savings Accounts for consumers with a negative ChexSystems record, but they require written evidence that the negative has been paid. They also charge $4.50 per month for the account. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Branch locations in Burbank, Hollywood, Santa Monica and Culver City.

This just in: WestOne Federal Credit Union in Pleasonton and Concord will negociate with those with a negative on their ChexSystems record. Please see our non chexsystems Credit Unions for more information (coming soon).

The Wescom Credit Union folks there state that they verify all new accounts with ChexSystems. However, several of our readers who have negative ChexSystems reports and were unable to open an account elsewhere had no problems when trying to open a savings account or a direct-deposit checking account with Wescom. (The Tustin branch folks are reported to be asses, though.) With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Yes, its a credit union, thus membership is limited to residence in Los Angeles, Orange, or San Bernadino counties. Please see our non chexsystems Credit Unions for more information (coming soon). Deposits and withdrawals can be made at any Credit Union Service Center location across the country. Let us know whether or not Wescom was able to work with you via email or our chexsystems forum.

Yo, downtown San Bernardino has a branch of Washington Mutual where our readers state they are overlooking ChexSystems when an incident is more than a year old and you have a letter or other such evidence from the reporting bank that "all items owed have been paid."

Andrew states that the Vistera Credit Union formerly known as March Community Credit Union in Moreno Valley will okay those with a ChexSystems record to open savings-only accounts. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Please see our non chexsystems Credit Unions for more information (coming soon).

The Orange County Teachers Federal Credit Union is reported to okay savings-only accounts regardless of one's ChexSystems report. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. Please see our non chexsystems Credit Unions for more information (coming soon).

The California Credit Union (formerly known as Teachers Credit Union) has an special savings account for those who don't qualify for the standard account. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions. The savings account requires a $500 minimum deposit. After six months, one can then open a checking account.

Orange County Federal Credit Union does indeed verify new accounts using Chexsystmes, but some branch locations (the Lake Forest branch, for example) has a few human beans that will negociate with customers.

Also found in Orange County, the Family 1 Federal Credit Union verifies new accounts using TeleCheck instead of ChexSystems. Thus, they are able to okay new accounts to anyone who lives or works in Placentia, or to anyone who worships at one of the community's churches. Please see our non chexsystems Credit Unions for more information (coming soon).

Chexsystmes Guy has stated that California Bank & Trust is on the ball. He states that if one can produce evidence that all negatives have been paid and that you don't plan on abusing your checking account in the future, they will consider granting an account. Readers, let us know which branch locations are good and which ones aren't via email or the chexsystems forum.
Hacienda Heights, Crenshaw, Pomona, Torrance-Del Amo, Gardena, Costa Mesa, La Palma, Long Beach, Oxnard, Alpine, Carlsbad, Temecula, Kearney Mesa, Vista, and La Jolla have all been reported as okay. Mountain View, Hacienda Heights and downtown Los Angeles were reported as asses.

First Bank & Trust in Irvine is said to overlook a negative in one's ChexSystems report. Call (949) 551-6828 for directions. There are other FB&T locations throughout Orange County and other parts of California. Give us a shout if any of the other locations were okay.

One of our great readers states that IndyMac Bank in Covina will open an account for those with a negative ChexSystems record as long as the negative has been marked as "all amounts owed have been paid" or one has proof that the negative has been paid.

The North Island Financial Credit Union has branch locations throughout San Diego and is said to be willing to overlook negatives found in ChexSystems reports.

Capital Bank of North County, which has no online address as of yet: Address: 2602 El Camono Road. City:, Carlsbad. State:, CA. Zip:, 92008. Phone:, 760-434-3344 has two branch locations, in Carlsbad, which use Telecheck instead of ChexSystems when verifying new accounts. This is not true at the other branch locations, however.

In Stockton, the Delta Valley Credit Union (no online presence) can be reached by phone at (210) 465-8059 is said to not verify new accounts with ChexSystems. Yes, it's a credit union, so those eligible for membership are employees or their immediate family members who work at a member company. Please see our non chexsystems Credit Unions for more information (coming soon).

California dreamin' states that in Sacramento County, Heritage Community Credit Union (formerly Mather FCU) will okay savings-only accounts regardless of one's ChexSystems history and will consider conversion to a checking account after six problem-free months. With a savings account you can use services such as PayPal, which use EFT (Electronic Funds Transfer) and ACH (Automated Clearing House) transactions.

The Armed Forces Bank which serves military and civilian customers, is said to be willing to work with folks who have a negative ChexSystems record. Branch locations can be found at Edwards AFB, Travis AFB, and Fort Irwin and also out-of-state.

Fort Sill National Bank has branch locations in San Diego, Oceanside, and at the Marine Corps AGCC in TwentyNine Palms. We've heard, but can't verify, that they don't use ChexSystems or are willing to open accounts whether or not there are negatives on file.

Here's one for all of you gungho types; Navy Federal Credit Union okays accounts if you or a family member (a spouse, parent, grandparent, sibling, child, or grandchild) works for, is in, or has retired from the Navy, Marine Corps, or the U.S. Coast Guard. Please see our non chexsystems Credit Unions for more information (coming soon). They have branch locations in San Diego, Westminster, and Monterey.