More and more people are finding it difficult to successfully open a new checking account. You may have had this experience: you walk into a bank or fill out an online application and get that "Rejected" response. This is not only frustrating
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Rejection Hurts (Even if it is Done by a Bank)
Getting rejected by a prospective bank one time is hard. But, if you have been rejected by more than one bank it can be particularly painful. We all want to feel like we can provide for our ourselves and our loved-ones. That is why it feels like a slap in the face to have a bank tell you that they will not take your money - they will not agree be your bank. Ouch.
Rejection is also Costly
Not only does it hurt, rejection by a bank for a new checking account is also costly. Reason: having a checking account these days is pretty much required equipment if you want to function effectively in society. You need a checking account to be able to use a debit card, get access to your cash via ATM machines
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Not having a checking account means you have to walk around with your cash on your person. Carrying large amounts of cash everyone leaves you exposed to potential theft or even losing your cash by leaving your purse or wallet somewhere accidentally.
All of these factors costs you time and money - commodities nobody can spare these days.
Meet the Enemy: Chex Systems
The reason you are getting rejected for a new checking account again and again is likely because your name has been reported to something called Chex Systems. This is a database to which banks report past or current customers when the customer has represented himself or herself as a high-risk customer. It could be due to a number of reasons, including attempted bank fraud or even unpaid overdraft fees.
The unfortunate fact is that about 80-90% of banks refer to Chex Systems when considering new applicants, making it very hard to get accepted for a new account if your name appears there.
How to Find Guaranteed Acceptance Checking Account
If you are looking for guaranteed acceptance checking accounts, here are tips on how to find the right one for you:
1. Make sure it is FDIC-insured: While most banks are insured today
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2. Find a bank that offers online access: In this day and age, the option for online banking is a must. This should be a requirement for any bank you choose.
3. Make sure the bank you choose lets you gain access to a nationwide network of ATMs: Your new bank needs to be connected with the payment systems that give you access to ATMs anywhere in the country or the world.
4. Make sure the bank advertises itself as a non-Chex Systems bank: Make sure your bank advertises itself as a non-Chex Systems bank. Other banks may advertise second chance checking accounts. Either way, these banks are telling you that they will never refer to Chex Systems when considering your application.
Doing your homework to find the right non-Chex Systems bank for you may sound hard. But, imagine your relief when you go online or walk through the door
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This was the first time that laptops sold more than desktop computers in a single month. Indeed, Current Analysis
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Were these figures just a blip on the the computer sales radar? Let your own eyes answer that question for you - Folks using laptops are everywhere! - People checking their emails in coffee shops, students studying interactively in the classroom
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So, what current factors contribute to the massive popularity of laptops with the computer buying public?
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Five years ago, you could walk into a computer store with four thousand dollars, and emerge bow legged
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Expect prices for laptops to get even lower in the coming months thanks to intense competition between the two heavyweight processor manufacturers
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Laptops with Wi-Fi are no longer an optional luxury. At Mammoth Coffee in Newport, Ohio, more and more business owners are jostling for notebook "office space", - to the modest tune of a blueberry muffin
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Those who dine at fine restaurants at the very least expect a sensory, savory meal, set upon a table with fine silver and white table cloths; superior service; and ambient lighting. Well that's exactly what's on the menu at Trapeze restaurant in Burlingame, California
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Wireless fidelity has moved effortlessly from the boundaries of home and office to the pristine elegance of posh restaurants. But, will the wireless laptop revolution end here?
Last Mile Communications have even greater ambitions for Wi-Fi notebooks. They hope to use the established infrastructure of the many lam
Добавлено: 31 окт 2019, 04:23