Can i open a new checking account during BK

[dasherkin]

i don't know, maybe they assume that it will be included, i heard that a lot of people just send the 1 paper we receive when we file, it wouldn't hurt just to send it if you IIB or not

[justbroke]

I'm assuming the accounts that Chex had records of, has to be included in your BK before they remove them, is that correct?

No. They only need to pre-date the date that is recorded as the filing date of your petition. As I stated earlier... ChexSystems is pretty fair about this. I did mine ALL on-line and it was removed within 5 business days!!!

[Floridagail]

I am 18mos from discharge got cc, but midflorida Cu refused to open account for me due to the bankrutpcy. ( i owed them nothing ) So I was shocked. Sun trust opened no problem.

[justbroke]

I am 18mos from discharge got cc, but midflorida Cu refused to open account for me due to the bankrutpcy. ( i owed them nothing ) So I was shocked. Sun trust opened no problem.

Most credit unions actually check your credit to become a member. There are a few that don't check your credit -- and only use ChexSystems or other agencies that report banking relationships relative to demand deposit accounts. I too still can't open a credit union account at work! However, I was able to open a credit union account at a local credit union without any issue.

[chicagoannie]

Note to others... ChexSystems is VERY responsive when you have a bankruptcy that pre-dates the derogatory information contained within their system.

I had an account closed by 5/3 Bank back in 2006 - 2 bounced checked and fees, fees fees. So I should include this account in my unsecured creditors schedule? Do I also add in the 2 bounced checks?

[telco95]

I opened an acct 2 weeks after I filed (bank)and 1 month after discharge (CU). I wanted to open an acct with a CU, so I emailed 5 local CU's what was the requirement for membership. All used Chexs and only 1 didn't use a CR, so I applied at the on that didn't require a CR.

[justbroke]

I had an account closed by 5/3 Bank back in 2006 - 2 bounced checked and fees, fees fees. So I should include this account in my unsecured creditors schedule? Do I also add in the 2 bounced checks?

You would add any and all creditors that you owe money. That would be Firth Third Bank. It may also be for the two payees of those bounced checks -- as I don't know if you ever made the checks good.

[coak1875]

Bank account

Hey Guys if you are trying to open an account during or after BK visit this link and choose your area there are a hand full of banks that dont use Chek System.

http://www.chexaccount.com/non-chexsystems-banks/