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DJ | My brother is reported by Bank of America for atm abuse? Will this make it difficult to open another account? |
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Stephen K
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What was the caliber of the ATM abuse? |
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Shieldgambit
 |
yes |
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smacksaw
|
Oh yeah. Time to get the address of the local cheque cashing place. The last thing you ever want to do is get on the blacklist for banks. |
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what?
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what is ATM abuse? |
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dumplingmuffin
 |
it will be impossible for a few years |
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debijs
 |
~~It's hard to say without knowing what this abuse consisted of. If he wasn't brought up on legal charges, and his account did not go into any type of collection procedure, then he should have no problem obtaining another checking account.~~ |
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mo b
|
it will also impact other aspects of his financial life such as getting a credit car, car or home loan. |
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Bmc420
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Any time you leave a bank on bad terms, you will have a hard time getting an account with another bank because they report to the credit agency and check systems. |
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NERDGASM
 |
Probably should go to a new bank. Especially if it was physical or sexual. That would be kind of awkward. |
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LM35
 |
Yes, as soon as your account has been flagged in any way then it will be difficult to open up another account, however you can still try and see what they say. |
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Nick
|
Definitely. They are going to put him into ChexSystems. This is a system that almost all banks use when a serious problem arises with you and the bank. They will report him and when he wants to open another account, it will be verified through ChexSystems. No bank will open an account if you have a negative report. Clear the problem with Bank of America if you want to have a checking account within the next 7 years. Remember, all ATMs have cameras, alarms and anti-tampering devices. My advice: Do not screw with ATMs or Banks at all. You will end up with consequences. |
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sheena m
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lol....probably |
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certaxrugby
|
U.S. banks and credit unions report incidents to ChexSystems to protect themselves and other banks in the future. You get reported to ChexSystems if your account is closed for "cause." What is "for cause?" Banks differ greatly between them as to what valid reasons are for closing an account. Here are some examples:
The bank was unable to collect for an overdraft, ATM transaction, or automatic payment which they honored on insufficient funds.(Regardless of amount, and often without waiting more than a few days!)
Multiple overdrafts.
Savings account, debit card or ATM abuse.
Fraud.
Providing false information in opening account.
Each incident stays on your record with ChexSystems for FIVE full years from the date the incident was reported.
Getting an incident reported to ChexSystems is the Kiss Of Death for your financial future. Most banks now say: "Our bank policy is that we will not open a checking account for you if you have one or more incidents reported to ChexSystems."
As far as finding a bank that does not use Chexsystems, the options vary from state to state. While some states have many that do not, other states have only a few. In these circumstances, people can still use an out of state chex-friendly bank if they choose. But regardless of where you live, there are options to help everyone. |
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zevly
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maybe,,,, yes it will go check ur credit score |
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