Once in chexsystems, how do I get taken out?

One way to cash checks is to go to the bank they are drawn on. As for getting out of ChexSystems I have not idea.

The bank that put you in there has the ability to take you out, you need to contact the bank that reported you to chexsystems to find out why they reported you and what needs to be done to get it removed.

Yes, you have to contact the bank that reported you and check your credit reports, and then get it all corrected. But, it does not sound like it is a mistake, so maybe they won’t be willing to correct it.

You can do what @SuperMouse says.

It also seems you should be able to still have a savings account, so you could cash checks on the savings account.

You have to have this handled by the bank that reported you to ChexSystems. According to their website:

“Each report submitted to ChexSystems remains on our files for five years, unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law. A reporting member is under no obligation to remove an accurate report of account mishandling due to payment of monies owed. However, the member is obligated to update the report with a paid in full or settled in full date when applicable. (Source”)

So it sounds like once you pay off what you owe to the bank that reported you, they need to request to have you removed from the system. If they don’t you would remain in the system with it saying you paid them for five years.

So, when you go to pay them off, get it in writing that they will have you removed from ChexSystems as part of the pay off agreement, otherwise they can leave you in it.

As far as check cashing, you could look into the check cashing places and grocery stores. Some grocery stores will cash payroll checks, just go up to their customer service desk to ask about it.

If it is listed as settled then it is possible to get another account but you won’t be able to get one until. So either way it needs to be paid off, I would though request that the bank who reported you remove it, most who do don’t have a problem doing so if they are made whole.

As others have mentioned, the decision to remove you from ChexSystems is up to the bank that put you on there.

I suggest that you speak to a manager at that bank’s branch and find out what they are willing and/or able to do. If you can pay them back, and the amount isn’t large, they may be willing to remove you. As an assistant branch manager, I was allowed to make that decision. I wanted to know why the account was reported. For example, the amount of the balance owed, whether it was the only time the account had gone negative, and while this last one may not be the best reason, if the person was polite when they asked for help, I would look upon their request more favorably. I’ve never been find of rude, pushy, overbearing people! Be prepared for them to not do anything as they may have a policy that they refuse anyone unless it’s a bank error.

As for what you do now, I would suggest that you ask your current bank if you can open a savings account with no ATM card access. It would be a pain, but if you can keep their required balance for check cashing all banks are different then you would at least have an account. If they say no, then you will either need to sign checks over to your partner or see if you can cash them at the grocery store. (I don’t know what the fee might be.) Or, you can probably go to the bank your check is drawn on and cash it for a fee. You will probably have to show two forms of ID, and maybe put your thumbprint on the check. Typically the fee at the bank will be less than the fee charged at a check cashing business.