Omaha, NE asked in Estate Planning and Banking for Nebraska

Q: I'm trying to open an estate account. I have all legal documents I need to do so, however, checxsystem is blocking me

How do I get around that?

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1 Lawyer Answer
James L. Arrasmith
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  • Estate Planning Lawyer
  • Sacramento, CA

A: If you're facing issues opening an estate account due to a ChexSystems block, there are steps you can take to address the situation:

Contact ChexSystems: Reach out to ChexSystems to obtain a copy of your consumer report. You have the right to request this report annually, free of charge. Review it carefully to identify any discrepancies or negative information that may be causing the block.

Dispute Errors: If you find inaccuracies on your ChexSystems report, dispute them immediately. ChexSystems is obligated to investigate and correct any errors within 30 days. Provide supporting documentation to strengthen your case.

Resolve Outstanding Issues: If there are legitimate negative entries on your report, such as unpaid debts or overdrafts, work on resolving them. Pay off outstanding debts and communicate with creditors to negotiate settlements or payment plans.

Request a Second Chance Account: Some banks offer "second chance" accounts designed for individuals with ChexSystems records. These accounts may have certain limitations but can be a way to reestablish your banking history.

Seek Alternative Banks: If one bank is unwilling to open an estate account due to your ChexSystems history, consider exploring other financial institutions that may have more lenient policies.

Consult an Attorney: If you've tried these steps and are still encountering difficulties, consult with an attorney who can provide legal guidance and assist you in navigating the process.

Remember that addressing a ChexSystems block may take time, and it's essential to be proactive in resolving any outstanding issues or inaccuracies on your report. Clearing your ChexSystems record can help you open an estate account and regain access to banking services.

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