Denied a Bank Account? It's Probably ChexSystems.
Banks check ChexSystems and Early Warning Services before they let you open an account. One negative record can lock you out of checking, savings, and Zelle. We dispute inaccurate and unverifiable records with both.
What ChexSystems and EWS Are
ChexSystems and Early Warning Services (EWS) are consumer reporting agencies that track your banking history: overdrafts, unpaid fees, closed accounts, and suspected fraud. Most banks check one or both before opening an account.
Negative records generally stay for five years. Because these are consumer reports, you have the right under the Fair Credit Reporting Act to get a free copy every 12 months and to dispute information that is inaccurate or incomplete.
Banking Record Errors We Look For
Banking reports are often out of date or missing context:
- Negative balances that were already paid
- Accounts reported as fraud without proof
- Wrong amounts or dates
- Records older than the reporting limit
- Duplicate records from the same bank
- Records that belong to someone else
How We Handle It
We know how these agencies work and what they need to see:
Request Your Reports
We help you request your ChexSystems and EWS reports and review every record.
Dispute Inaccuracies
We dispute inaccurate and unverifiable records directly with each agency and the reporting bank.
Get Back to Banking
Once your report is clean, we point you to banks and second-chance accounts that fit your situation.
ChexSystems & EWS Dispute: Common Questions
How long do ChexSystems and EWS records last?
According to the OCC, negative information generally stays on ChexSystems and Early Warning Services reports for five years.
Can I get a free ChexSystems report?
Yes. You can request a free ChexSystems report and a free Early Warning Services report every 12 months.
How much does it cost?
Our ChexSystems or EWS dispute service is $400 per report, flat fee. See our pricing page for current options.
Can you guarantee removal?
No. We dispute records that are inaccurate, incomplete, or unverifiable. Results depend on each agency's investigation. Individual results vary.
Get your banking back.
Book a free review and find out what is on your ChexSystems and EWS reports.
Individual results vary. Past results do not guarantee future outcomes. Wise Consulting Enterprise disputes information that is inaccurate, incomplete, outdated, or unverifiable. We do not remove accurate, verified information or guarantee specific results.