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Rufe Asusun Banki kwatsam (De-Banking), ChexSystems Blacklisting, da Maido da Asusu

Tashe don gano katin zare kudi da aka ƙi a kantin kayan miya da aikace-aikacen banki ta wayar hannu da ke nuna "An Ƙuntata Asusu / Rufe ta Cibiyar Kuɗi" ba tare da gargaɗin farko ba babban gaggawar kuɗin gida ne. Wanda aka sani a duk faɗin masana'antar banki kamar ** de-banking ***, ** haɗarin fita ***, ko ** rufewar bin tsarin algorithmic , bankuna da ƙa'idodin fintech (kamar Chase, Bankin Amurka, Wells Fargo, Citibank, Capital One, Chime, PayPal, ko Revolut) suna daskare da ƙarewa da dakatar da bincike da ajiyar kuɗi ta atomatik lokacin da asusun ajiyar kuɗaɗen ke kashewa. Algorithms na zamba suna ba da alamar ajiya, canja wurin Zelle, hoton wayar hannu, ayyukan cryptocurrency, ko takaddamar wuce gona da iri. Mafi muni kuma, lokacin da banki ya rufe asusunka, zai iya riƙe ragowar ma'auni na tsawon kwanaki 10 zuwa 60 kafin aikawa da cak ɗin takarda, yayin da a lokaci guda ke ba da rahoton alamar wulakanci ("Account Abuse" ko "Zaɓin Zamba") zuwa ChexSystems da ** Sabis na Gargaɗi na Farko (EWS) wanda ke hana ku buɗe asusun ajiya a ko'ina.

Idan mai bin hukuncin kotu, hukumar haraji, ko hukumar tallafawa yara ta daskarar da asusun ku maimakon bin biyan kuɗi na banki, canja wuri nan da nan zuwa harajin asusun banki, daskararre asusun dubawa, da fitar da kuɗaɗen keɓe; idan rufewar ku ta samo asali ne daga jabun takarda ko canjin takarda, duba duba wanke-wanke, canjin rajistan wasiku na sata, da zamba ta cak ɗin mai kuɗi; idan bashin ACH mara izini ya zubar da ma'auni, duba Rigimar dawo da katin kiredit, zarewar ACH mara izini, da Dokar E; kuma don taimakon gaggawa, tuntuɓi mu lambobin gaggawa directory.

Yi wannan yanzu

  1. **Buɗe asusun dubawa na maye a wata sabuwar cibiya A YAU kafin rahoton banki na rufewa zuwa ChexSystems ko Sabis na Gargaɗi na Farko ***: Yawancin lokaci yana ɗaukar kwanaki 3 zuwa 14 na kasuwanci don babban fayil ɗin banki na rufewa don buga ChexSystems. Aiwatar akan layi ko a cikin mutum a ƙungiyar bashi na gida ko ingantaccen banki "Chance na biyu / Non-ChexSystems" banki a yau don samun hanyar aiki da lambar asusun nan da nan.
  2. **Mayar da kuɗin biyan kuɗin ma'aikaci kai tsaye, Tsaron Jama'a, fa'idodin VA, ko biyan haraji a cikin sa'o'i 24 ***: Idan an aika kuɗin ku ko fa'idar gwamnati ta hanyar ACH zuwa asusun banki mai rufe ko daskararre, kuɗin za su koma kan na'urar biyan kuɗin ma'aikacin ku (jinkirin biyan ku ta kwanaki 5 zuwa 10 na kasuwanci) ko kuma a kama ku a cikin banki yayin da ake bincikar asusun ku.
  3. ** Cire haɗin duk takaddun lissafin biyan kuɗi ta atomatik (ACH debit) don jinginar ku, haya, lamunin mota, inshora, da kayan aiki *: Lokacin da banki ya rufe asusun ku, duk wani biyan kuɗi na atomatik mai shigowa don jinginar ku, hayar, ko katin kiredit zai dawo tare da ** ACH Return Code R02 (Asusun Rufe) ko **, Kuɗi, Matsala da aka dawo da shi. alamomi, da kulle-kulle a masu bin ku.
  4. **Kira Ma'aikatar Haɗarin Asara /Baya-Office (ba daidaitaccen sabis na abokin ciniki) don gano abin da takaddun ke share ma'auni na daskarewa **: Idan bankin yana riƙe da kuɗin kuɗin ku ko ma'auni na tanadi yayin "bita na tushen kudade na kwanaki 60," tambaya ko kawo mai ba da rajistan (ko ma'aikacin ku biya da kuma dawo da haraji) a cikin reshe mai sarrafa kansa nan da nan.
  5. ** Tabbatar da ainihin adireshin imel akan fayil kuma nemi lambar bin diddigin rajistan ku na mai kashe kuɗi ***: Kusan koyaushe bankuna suna aikawa da ragowar ma'auni na rufaffiyar asusu ta daidaitaccen saƙon gidan waya zuwa adireshin da ke cikin fayil. Tabbatar da adireshin titinku nan da nan don kada a aika ajiyar rayuwar ku zuwa wani tsohon gida.
  6. ** Shigar da ƙarar hukuma tare da CFPB da OCC (a cikin Amurka) ko mai kula da harkokin kuɗi (a cikin Burtaniya) idan bankin ya riƙe kuɗaɗen da ba a tantance ba da suka wuce kwanaki 10 zuwa 14 na kasuwanci**: A ƙarƙashin jagorancin banki na tarayya, banki ba zai iya kwacewa ba tare da tantancewa ba ko kuɗin ajiyar kuɗi bayan rufe asusun; shigar da ƙarar mai gudanarwa yana bibiyar fayil ɗin ku kai tsaye zuwa Ofishin zartarwa na banki kuma yawanci yana fitar da cak ɗin mai kuɗin ku a cikin kwanaki 3 zuwa 5 na kasuwanci.

Me yasa ma'aikatan banki suka ki gaya muku dalilin da yasa aka rufe asusunku (Dokar SAR gag ta tarayya)

Lokacin da kuka kira bankinku ko ku shiga reshe kuna tambayar dalilin da ya sa aka rufe asusun ajiyar ku na shekaru goma ba zato ba tsammani, manajan reshe kusan koyaushe zai ba da amsa mai sanyi a rubuce: “A bisa yarjejeniyar Kuɗi na Kuɗi, kowane ɓangare na iya rufe asusun a kowane lokaci don kowane dalili, kuma ba za mu iya ba da ƙarin bayani ba.” 5318(g)(2))* and global anti-money-laundering laws, if the bank's algorithm flagged your account for a potential Suspicious Activity Report (SAR), it is a federal felony for any bank employee to tell you (or even hint to you) that a SAR investigation exists. Maimakon yin jayayya game da dalili, mayar da hankali 100 bisa dari na makamashin ku akan sakin daskararrun ma'auni da share fayilolin mabukaci na ChexSystems/EWS.

Bishiyar yanke shawara: tsira daga daskare ko rufe asusun banki kwatsam

Lokacin da aka kulle asusun ajiyar ku ko ajiyar ku ko kuma aka shirya don rufewa, bi wannan tsarin tafiyar gaggawa don kare kuɗin shiga, lissafin kuɗi, da samun damar banki.

flowchart TD
    Start["Banki Yana Daskare ko Rufe Asusun Ku na Dubawa/Ajiye Ba tare da Gargaɗi ba"] --> Step1Open["Sa'a 1: Nan da nan Buɗe Asusun Bincike na Ajiyayyen a Ƙungiya ta Ƙididdigar Ƙididdiga ko Bankin ChexSystems (Chime, SoFi, Capital One 360, ko Fidelity Cash Management)"]
    Step1Open --> Step2Reroute["Sa'a 2: Canja Ma'aikata Biyan Kuɗi Kai tsaye Deposit, Tsaron Jama'a/Pension ACH, da Duk Kuɗin Biyan Kuɗi na Kai-da-kai (Hayar, Hayar, Mota, Katin Kiredit) zuwa Sabon Asusu"]
    Step2Reroute --> WhyLocked{"1. Me yasa bankin ya daskare ko rufe asusun?"}
    WhyLocked -->|"A. Levy Hukunci na Kotu, IRS/Jihar Harajin Jiha, ko Tallafin Yara"| LevyPath["Ba Rufewar Banki ba: Bi Levy Account na Banki & Ka'idojin Keɓance Kuɗi Nan da nan"]
    WhyLocked -->|"B. Wanda ake zargi da zamba, Riƙe Deposit na Wayar hannu, ko Ƙaddamarwar Waya/Zelle mara tabbaci"| SourceHold["Kira Teburin Tabbatar da Asara / Zamba; Bayar da Tabbatar da Mai ƙirƙira Cikin-Branch ko Ingantattun Biyan Biya/HUD-1 Bayanin Rufewa don Share Riƙe"]
    WhyLocked -->|"C. Yarda da / AML 'Fita-Hadarin' Rufe (Crypto, Cash Structuring, SAR Algorithm, ko Babu Dalili)"| ExitClosure["Banki Ba Zai Buɗe Asusun ba; Tabbatar da Adireshin Saƙo don Rufe Checker's Check da Neman Ƙimar Ranar Saki"]
    WhyLocked -->|"D. Ma'auni mara kyau / Ƙirar Kuɗi-Kashe Rufe"| OverdraftClose["Biyan Babban Ma'auni Mara Kyau Kafin Rana ta 30-60 Ko Yi Tattaunawar Cire Kudaden Sakandare na Sakandare"]
    SourceHold --> FundsStuck{"2. Shin bankin yana kin sakin halalcin kuɗin ku bayan kwanaki 10 na kasuwanci?"}
    ExitClosure --> FundsStuck
    FundsStuck -->|"Ee: Riƙe ajiyar kuɗi na banki a limbo"| FileRegulator["Fayil Koke Nan take Tare da CFPB (consumerfinance.gov) DA OCC/FDIC (ko UK Financial Ombudsman / FCAC); Bukatar Dawo da Kuɗaɗen da Ba a Fada Ba"]
    FundsStuck -->|"A'a: An aika wasiku na rufe cak ɗin kuɗi"| DepositCheck["Bincika Rufe Deposit Zuwa Sabon Asusu; Jawo Tsarin ChexSystems Kyauta & Sabis na Gargaɗi na Farko (EWS) Rahoton don yin jayayya da kowace lambar 'Zamba'"]

Me yasa bankuna ba zato ba tsammani suna rufe asusun abokan ciniki marasa laifi (The 5 algorithmic triggers)

Karkashin daidaitaccen dillali ** Yarjejeniyar Asusu na ajiya ** a duk duniya, banki yana da haƙƙin kwangila don rufe asusun ajiyar kuɗi na abokin ciniki a kowane lokaci ba tare da dalili ba. Koyaya, a mafi yawancin rufewar kwatsam, injin haɗari mai sarrafa kansa ya jawo ɗaya daga cikin takamaiman tutoci guda biyar:

  1. **Kasuwancin Tabbatar da Bikin Wayar hannu ko Takarda Duban Takarda ***: Kun ajiye cakin inshora, cakin mai siyar da kuɗi daga siyar da mota, cakin kuɗin harajin Baitulmalin Amurka, ko cak daga sabon abokin ciniki ta amfani da kyamarar wayar ku. Idan cak ɗin ya yi girma idan aka kwatanta da matsakaicin ma'aunin ku na yau da kullun, ko kuma idan bankin da ke bayarwa ya kasa amsawa ga ping na tabbatarwa na ofis, algorithm ɗin bankin ya sanya cak ɗin a matsayin "Kayan da ake zargi da canza / Ƙirar jabu" kuma ta kulle dangantakarku gaba ɗaya.
  2. ** Zelle, Venmo, ko Canja wurin Waya "Tsarin Sarkar" *: Idan kun sayar da kujera ko tikiti na kide-kide akan layi kuma mai siye ya biya ku dala 300 ta hanyar Zelle, kuma bayan kwana uku bankin mai siye ya ba da rahoton cewa mai siye yana amfani da asusun da aka sace ko kuma yana aiwatar da zamba, ** kowane asusun banki wanda ya karɓi ƙungiyar Zelle ta hanyar mai siye ta hanyar Warning ta atomatik. (EWS) cibiyar sadarwa.
  3. Tsarin Adadin Kuɗi waɗanda Yayi kama da "Tsarin" (A ƙarƙashin $10,000): A cikin Amurka, bankuna suna shigar da Rahoton Ma'amalar Kuɗi na yau da kullun (CTR) don ma'amalar kuɗi sama da dalar Amurka 10,000** (ko $10,000 CAD a Kanada / € 10,000 a cikin EU). CTR gaba ɗaya doka ce kuma mara lahani. Koyaya, idan kun saka $ 4,500 a tsabar kuɗi ranar Litinin da $ 4,800 a tsabar kuɗi ranar Laraba daga siyar da motar da aka yi amfani da su ko nasihun gidan abinci, software ɗin bankin ta tuta ku don ** Tsarin (31 U.S.C. § 5324)**, laifin tarayya na karya ajiyar kuɗi don zama ƙarƙashin $10,000, yana rufe asusun ku ta atomatik.
  4. ** Canja wurin Canja wurin Canja wurin Cryptocurrency, Caca, ko Ayyukan Kasuwancin Haɗari a cikin Asusun Keɓaɓɓen ***: Aika ACH ko canja wurin waya zuwa dandamali na cryptocurrency na waje, littattafan wasanni na kan layi, masu watsa kuɗi marasa lasisi, ko gudanar da manyan mu'amalar e-ciniki/kasuwanci ta hanyar asusun dubawa na sirri yana haifar da rufewar AML ta atomatik.
  5. ** Matsanancin Doka E Rigima ko Maidowa ACH Pulls ***: Aiwatar da cajin katin zare kudi da yawa ko samun billa adibas na ACH masu shigowa da yawa (Lambar Komawa R01/R09) yana tuta bayanin martaba a matsayin babban kiredit/ haɗarin aiki.

Fahimtar jerin baƙaƙen banki guda biyu: ChexSystems vs. Sabis na Gargaɗi na Farko (EWS)

Yawancin masu amfani sun san game da bureaus uku na kuɗi (Equifax, Experian, da TransUnion), waɗanda ke bin katunan kuɗi da lamuni. Koyaya, lokacin da kuke neman asusun dubawa ko ajiyar kuɗi, bankuna ba sa ** ba *** da farko sun dogara da ƙimar FICO ɗin ku; maimakon haka, sun ja ƙwararrun hukumomin bayar da rahoton mabukaci na musamman guda biyu ** waɗanda aka tsara a ƙarƙashin dokar ba da rahoto ta gaskiya (FCRA) ***:

Siffar ChexSystems (chexsystems.com) Ayyukan Gargaɗi na Farko (earlywarning.com)
Mallakar Kamfanoni & Network Mallakar ta Fidelity National Information Services (FIS). Ana amfani da kusan ** 80% na bankunan dillalan Amurka da ƙungiyoyin bashi** (musamman bankunan yanki, bankunan al'umma, da ƙungiyoyin kuɗi). Mallakar kai tsaye ta ** 7 manyan manyan bankunan Amurka ***: JPMorgan Chase, Bankin Amurka, Wells Fargo, Citibank, Capital One, Bankin Amurka, da PNC (kuma suna aiki da cibiyar sadarwa ta Zelle).
Abin da ya faru Ma'auni mara kyau da ba a biya ba (cajin kuɗin da aka zayyana), rufe asusun da ba son rai ba ("Account Abuse"), da ake zargin kiting/ zamba, da adadin binciken asusun kwanan nan. Matsayin asusun ajiya na ainihi, tutocin zamba na ciki a duk bankunan masu shi 7, Zelle zamba, dawo da tarihin rajista, da rufewa ba tare da son rai ba ga waɗanda ake zargi da zamba na ɓangare na farko ko na ɓangare na uku.
Tsawon Lokacin Alamar Baƙaƙen Ciki shekaru 5 ta tsarin ChexSystems na ciki (har zuwa matsakaicin shekaru 7 a ƙarƙashin FCRA). ** Har zuwa shekaru 7** daga ranar rufewa ko caji.
Yadda ake samun rahoton ku kyauta Kan layi nan take a chexsystems.com ( Danna * Buƙatar Bayyanar Abokin Ciniki * ) ko kira 1-800-428-9681. Kan layi ta hanyar buƙatun PDF mai aminci a earlywarning.com/consumer-information ko kira 1-800-745-1560.
Tasirin "Lambar da ake zargi da zamba / Abun Asusu" Yana ƙi daidaitattun aikace-aikacen dubawa ta atomatik a mafi yawan bankunan bulo-da-turmi da ƙungiyoyin bashi sai dai idan sun ba da asusu na Dama na Biyu. Tutar EWS "Zamba" mai aiki zai haifar da Chase, Bank of America, Wells Fargo, Citi, PNC, ko Bankin Amurka ko dai su ƙi aikace-aikacen ku nan da nan ko kuma rufe sabon asusun ku da aka buɗe bayan sa'o'i 48 yayin aiki tare.

Yadda ake dawo da kuɗaɗen daskararrun ku lokacin da banki ya riƙe ma'auni na ku

Lokacin da banki ya rufe asusun ku da tsafta (misali, yanke shawara na "fita-hadarin" na gudanarwa inda ba a sami takaddama ta musamman ba), bankin yawanci yana ƙuntata zare na lantarki nan da nan kuma ya aika da ** cak ɗin mai karɓar kuɗi *** don sauran ma'auni a cikin ** 10 zuwa 14 kwanakin kasuwanci**.

Duk da haka, idan bankin ya rufe asusun ku saboda ya tambayi ** takamaiman kuɗin ajiyar kuɗi, canja wurin waya, ko biyan kuɗin fa'idar gwamnati , bankin na iya sanya Back-Office Research Hold / Restraint ya gaya muku suna riƙe kuɗin ku na kwanaki 30, 60, ko 90 (ko suna buƙatar ku tabbatar da kuɗin naku ne kafin su saki kobo). Bi wannan matakan haɓakawa mai matakai uku don dawo da kuɗin ku da sauri:

Mataki na 1: Share cak ko ajiyar ajiya da aka yi jayayya ta hanyar "Maker Verification"

Idan duk asusunka (ciki har da kuɗin biyan kuɗin ku na halal) ya daskare saboda kun ajiye babban cak daga wani ɓangare na uku (kamar kamfanin inshora, kamfani na mallakar ƙasa, mallakar iyali, ko ma'aikaci): 1. Kira Rukunin Rigakafin Haɓaka / Asara na banki** (tambayi manajan reshe don faɗaɗa cikin gida kai tsaye). 2. Tambayi ƙwararren: "Wace takamaiman ma'amala ce ta haifar da riƙewa, kuma wane takamaiman tabbaci kuke buƙata daga mai bayarwa don sakin kuɗina?" 3. ** Tabbatar da Hanyar Hanya Uku a cikin-Branch **: Shiga cikin reshe na zahiri na bankin ku tare da nau'ikan ID na gwamnati guda biyu, asalin rajistan rajista ko kwangilar sasantawa, da bayanan tuntuɓar mutumin ko kamfanin da ya rubuta muku cak (Maker). Tambayi ** Manajan reshe *** ya kira teburin rigakafin asarar su a layi ɗaya da taro a bankin da ke bayarwa ko kuma ya sa wanda ya rubuta maka cak ɗin ya shiga cikin reshen tare da ID na kansa. Da zarar ofishin baya na banki ya tabbatar mai yin bai bayar da rahoton sata ko jabu ba, dole ne su saki ajiyar kuma su ba da cak ɗin ku na rufewa.

Mataki na 2: Kira Dokar Samar da Kuɗaɗen Gaggawa (Dokar CC) da Ka'idar E

A cikin Amurka, bankuna ba za su iya kafa dokoki na kwanaki 90 na sabani ba tare da bin dokar tarayya ba: - Dokar CC (12 CFR Sashe na 229, Dokar Samar da Kuɗaɗen Gaggawa): Yana ƙididdige iyakar adadin kwanakin kasuwanci da banki zai iya riƙe ajiyar kuɗi (gaba ɗaya kwanakin kasuwanci 2 don daidaitattun cak, har zuwa kwanakin kasuwanci 7 don banda yana riƙe sama da $5,525 ko ma'ana-dalilin shakku game da tattarawa, da *-kwanakin kasuwancin Amurka na gaba. caker's cashier, da lantarki kai tsaye adibas). Idan cak ya riga ya share bankin da ke biyan kuma taga dawo da bankin da ke biya ya wuce ba tare da dawo da shi ba, bankin ajiya ba shi da haƙƙin doka na riƙe waɗanda aka karɓa har abada. - Dokar E (12 CFR Sashe na 1005, Canje-canjen Asusun Lantarki): Idan banki ya daskarar da asusunku bayan kun yi jayayya da zare na lantarki ba tare da izini ba, ko kuma idan ana riƙe ajiyar kuɗin biyan kuɗi na lantarki ba tare da ingantaccen odar kotu ko takunkuman OFAC ba, nemi haɓakawa ga bankin ** Jami'in Yarda da Ka'ida.

Mataki 3: Yi fayil ɗin CFPB nan take da OCC / Federal Reserve (The 72-Hour Executive Bypass)

Idan wakilan waya suna ci gaba da karanta rubutun suna ƙin sakin kuɗin ku da ba a jayayya ba, dakatar da kiran layin sabis na abokin ciniki na 1-800. Ku ciyar da mintuna goma don shigar da ƙararraki biyu na hukuma akan layi: 1. ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB)** a consumerfinance.gov/complaint (Zaɓi Asusun Dubawa ko ajiyar kuɗi -> Rufe asusu -> Kuɗin da ba'a samu daga rufaffiyar asusu ba. 2. Ofishin Kwanturolan Kudi (OCC) a helpwithmybank.gov (na bankunan ƙasa kamar Chase, Bank of America, Wells Fargo, Citi, US Bank, PNC, Capital One) KO da ** FDIC / Sashen Bankin Jiha ** (na bankunan da ke hannun jari) KO NCUA (mycreditunion.gov ga kungiyoyin bashi). - Me yasa hakan ke aiki nan take: A bisa doka, lokacin da CFPB ko OCC koke ya isa banki, ya ketare cibiyar kiran waya da kuma daidaitattun layin zamba gaba ɗaya sannan ya sauka a kan tebur na Babban Ofishin Babban Bankin ** Ofishin Shugaban Ƙasa, wanda dole ne ya gabatar da rubutaccen amsa ga gwamnatin tarayya cikin kwanaki 15. A aikace, dan sanda na Ofishin Zartarwa zai kira ku a cikin 2 zuwa 5 kwanakin kasuwanci, yin bitar kuɗaɗen kuɗaɗen ku ko ID, kuma cikin dare cak ɗin ku na rufewa ta hanyar FedEx/UPS don rufe ƙarar tarayya.

Tabbataccen Dama na Biyu da kundin tsarin banki na Non-ChexSystems

Idan kun riga kuna da mummunan tsarin ChexSystems ko rikodin Sabis na Gargaɗi na Farko, ko kuna son buɗe amintaccen asusun ajiya a yau wanda baya amfani da ChexSystems, yi amfani da ɗayan ingantattun hanyoyin:

1. Asusun Gudanar da Kuɗi na Dillali (Mai Keɓancewar Shari'a ta #1 don Tsarin ChexSystems DA EWS)

Manyan dillalan saka hannun jari suna ba da kyauta ** Asusun Gudanar da Kuɗi *** wanda ya zo tare da lambar zazzagewa, lambar asusu don ajiyar kuɗi kai tsaye, biyan kuɗi mara iyaka kyauta, littattafan bincike kyauta, katin zare kudi na Visa/Mastercard tare da biyan kuɗin ATM na duniya, da cikakken inshorar FDIC, duk da haka ** su ne asusun dillalan saka hannun jari, don haka ba sa ja da ChexSystem Services. - Asusun Gudanar da Kuɗi na Aminci (fidelity.com): Kudaden kuɗi na wata-wata, sifili mafi ƙarancin ma'auni, yana ba da cikakken tsarin kewayawa/lambar asusun (ta bankin UMB), rubutun rajistan kyauta, wayoyi na cikin gida kyauta, da rangwamen kuɗin ATM. - **Charles Schwab Mai saka hannun jari Duba / Dillali *** ko ** Vanguard Cash Plus ***: Bincika ƙwararrun kuɗaɗen dillali don cikakken ajiya kai tsaye da aikin biyan kuɗin ACH.

2. Manyan Bankuna waɗanda basa amfani da ChexSystems (ko Ba da Asusu na Dama na Biyu)

  • Account Checking(chime.com, FDIC-insured via The Bancorp Bank / Stride Bank): Shin ** baya cire ChexSystems ko EWS don daidaitaccen buɗewa; babu kuɗaɗen wata-wata ko kuɗin wuce gona da iri.
  • ** Duban SoFi da Ajiye *** (sofi.com, SoFi Bank, N.A.): Yana amfani da taushin kiredit/tabbacin shaida maimakon tsananin gadon ChexSystems ya ƙi ga yawancin masu nema.
  • ** Babban Babban 360 Dubawa *** (capitalone.com): Yayin da Capital One memba ne na EWS, sanannen gafara ne ga ƙananan shigarwar ChexSystems da suka wuce da zarar an warware su.
  • ** Wells Fargo Clear Access Banking **, Bankin Amurka SafeBalance Banking, Chase Secure Banking, and *US. Asusun Amintaccen Bashi na nki ***: Mara ƙima, bbataccen juzu'i Banki akan Certified asusun da aka tsara musamman don karɓar masu nema waɗanda aka ƙi don daidaitaccen bincike saboda tarihin wuce gona da iri da ba a biya a (idan mai nema ba shi da tutar * Zamba mai aiki akan EWS).
  • ** Ƙungiyoyin Ƙididdiga na Gida ("Sabon Farawa" Dubawa) ***: Daruruwan ƙungiyoyin bashi na gida suna ba da keɓancewar dama ta biyu asusu waɗanda ke canzawa zuwa daidaitaccen asusun dubawa bayan watanni 6 zuwa 12 na ingantaccen tarihi.

Ƙa'idar mataki-mataki don yin jayayya da cire ChexSystems na karya ko alamar EWS

Idan banki ya rufe asusunka kuma ya ba da rahoton "Waɗanda ake zargi da zamba" ko "Zagin Asusu" zuwa ChexSystems ko Sabis na Gargaɗi na Farko lokacin da ba ku yi wani abu ba daidai ba (misali, kun kasance wanda aka yiwa bounced cak wani ya rubuta muku, ko rufewar algorithm na ƙarya), kuna da haƙƙi a ƙarƙashin ** Sashe na 611 da Sashe na 623 na Rahoton Kasuwancin C.5.S. 1681i & § 1681s-2)** don tilasta bincike na yau da kullun da gogewa:

  1. ** Cire duk rahotannin farko **: Zazzage bayanin ku kyauta daga chexsystems.com kuma earlywarning.com sannan karanta ainihin Lambar Dalili da Aka ruwaito (misali, Kwantar da Asusu mara gamsarwa, Kashe Kuɗi, ko Ayyukan Zamba da ake zargi.
  2. ** Aika Rigimar FCRA na lokaci ɗaya + Rigimar Furnisher Kai tsaye ta Tabbataccen Wasiku ***:
  3. Kada kawai danna maɓallin "Muhawara" akan layi tare da bayanin jumla ɗaya. Rubuta bayyananniyar wasiƙa mai bayyanawa: *"A [Kwanan wata], [Bank Name] ya rufe asusuna yana ƙarewa a [XXXX] kuma ya ba da rahoton 'Account Abuse / Suspected Fraud' ga hukumar ku. Na aikata zamba kuma ban taɓa soke wannan asusun ba. Ma'auni na rufewa yana da inganci $[ Adadin]. A ƙarƙashin 15 U.S.C
  4. Aika wasiƙar kwafi ɗaya ta hanyar ** Wasiƙar Takaddun USPS tare da Karɓi Dawowa Aka Bukaci ** Zuwa Sashen Rigima na ChexSystems *** (Po Box 583399, Minneapolis, MN 55458) da ** Sabis na Masu Amfani da Gargaɗi na Farko** (5801 N. Pima Rd, Scottsdale, AZ), kwafin na biyu zuwa ** Adireshin Rigima na Ofishin Kiredit na FCRA**.
  5. ** Agogon Share Dokokin Kwanaki 30 ***: A ƙarƙashin FCRA, ChexSystems, EWS, da bankin bayar da rahoto dole ne su kammala binciken su a cikin ** kwanakin kalanda 30 ** (ko share shigarwar ta atomatik idan bankin ya kasa tabbatar da daidaiton alamar "Zamba / Zagi" tare da tabbataccen shaida).

Lambobin gaggawa na yanki da ka'idojin takaddama na banki

Ƙasa / Yanki Mai Gudanar da Banki & Ma'aikacin Ombudsman Adadin Blacklist / Rijista na Zamba Haƙƙin Asusu na Babban Banki na doka
Amurka CFPB (1-855-411-2372 / consumerfinance.gov/complaint), OCC (1-800-613-6743), FDIC (1-877-275-3342), da NCUA (1-800-755-1030) Tsarin Chex (1-800-428-9681), ** Sabis na Gargaɗi na Farko (EWS)** (1-800-745-1560), da kuma TeleCheck (1-800-366-2425) An kiyaye shi ta ** Dokar Bayar da Bayar da Ba da Lamuni (FCRA)** (Agogon gardama na kwanaki 30, Sanarwa ta Mummunar Mahimmanci a duk lokacin da banki ya hana ku asusu), Dokar CC (duba iyaka), da ** Dokokin E**.
Kanada Hukumar Kasuwanci ta Kanada (FCAC) (1-866-461-3222) da Ombudsman for Banking Services and Investments (OBSI) (1-888-451-4519) Rijistar Bankin Kanada na Cikin Gida, ** Equifax Kanada ***, da ** TransUnion Kanada *** Karkashin ** Sashe na 627.17 na Dokar Babban Bankin Tarayya (Samar da Dokokin Ayyukan Banki)**, kowane banki memba a Kanada yana * doka ta doka ta buƙata ta buɗe asusun ajiyar dillali ga duk wanda ya gabatar da takaddun shaida guda biyu a cikin mutum, koda kuwa mutumin ba shi da aikin yi, ba shi da kuɗi don sakawa nan da nan, ko kuma ya yi amfani da asusun banki ba bisa ka'ida ba. ko dalilai na yaudara.
United Kingdom ** Sabis na Ombudsman na Kuɗi (FOS)** (0800 023 4567 / financial-ombudsman.org.ukda FCA (0800 111 6768) Cifas (National Fraud Database) (cifas.org.uk/dsar), Synectics Solutions (SIRA), da Mafarauta na Kasa Idan wani banki na Burtaniya ba zato ba tsammani ya rufe asusunka kuma ya hana ka buɗe asusun ajiya a wasu manyan bankunan titin, ƙaddamar da Buƙatar Samun Samun Bayanai (DSAR) kyauta nan take zuwa Cifas (cifas.org.uk/dsar) don ganin idan bankin ya shigar da alamar ** Category 6 ("Misuse of Facility")** ko ** Zamba na Farko** akan ku (sau da yawa ana sanyawa lokacin da matasa suka ba da damar wani ya motsa kuɗin crypto ko alfadari ta asusun su). Kuna iya ƙara ƙarar alamar Cifas ɗin da ba ta dace ba zuwa banki sannan zuwa ga Ma'aikatan Ombudsman na Kuɗi, sannan ku nemi kyautar Basic Account Account mara izini a ƙarƙashin ** Dokokin Biyan Kuɗi 2015**.
Ƙungiyar Tarayyar Turai Babban Bankin Kasa da ** FIN-NET Rikicin Kudiddigar Kuɗi** Banque de France (FCC), SCHUFA (Jamus), Masu Rijistar Kiredit ta Tsakiya Karkashin Jagorancin Lissafin Biyan Kuɗi na EU (Directive 2014/92/EU), kowane mazaunin Tarayyar Turai na doka (ciki har da masu siye da ba su da adireshi, masu neman mafaka, da waɗanda aka yi wa baƙaƙe don cak ɗin bounced) suna da ** haƙƙin doka don buɗe Asusun Biyan Kuɗi tare da Basic Features *** (katin karɓa, canja wurin kuɗi, PAbit). A Faransa, idan banki ya ƙi buɗe asusun ajiyar ku, nemi rubutaccen Attestation de refus sannan ku kai shi ga Banque de France, wanda bisa doka zai tilasta wa wani banki da aka keɓe don buɗe asusun ku cikin awanni 24 (Droit au compte).
** Ostiraliya & New Zealand *** Hukumar Korafe-korafen Kuɗi ta Ostiraliya (AFCA) (1800 931 678 / afca.org.au) da Ombudsman Bank NZ (0800 805 950) Tsarin AML na banki na ciki da ** Equifax / Illion *** Idan bankin Ostiraliya ya daskare ko fita daga asusun ku a ƙarƙashin dokokin AML/zamba kuma ya riƙe ma'auni, shigar da gardama kan layi nan da nan tare da AFCA, wacce ke da ikon doka don ba da umarnin bankunan su saki kuɗin da aka kama da kuma biyan diyya don jinkirin kuskure.
Indiya & Asiya-Pacific Hukumar ajiyar banki ta Indiya (RBI) Haɗin gwiwar Ombudsman (14448 / cms.rbi.org.in) da FIDreC (Singapore) ** Tashar Bayar da Rahoton Jama'a ta Ƙasa ta Cybercrime (1930 Lien/Daskare)** da CIBIL A Indiya, ana daskarar da asusun banki akai-akai cikin dare ta hanyar Cyber ​​Cell Lien / Layer-3 Freeze lokacin da mai siye ya aiko muku da UPI ko P2P crypto da aka samu ta hanyar zamba a wani wuri a cikin ƙasar. Tambayi manajan reshen gidan ku a hankali ko ** adadin ma'amalar da aka yi jayayya kawai yana ƙarƙashin Laya *** ko kuma idan ** gaba ɗaya asusun yana da Daskare Zare *, nemi ainihin ** Lambar Amincewa da Lambar Cyber da Jami'in Bincike (IO) imel, kuma nemi banki ya canza daskarewar Bashi zuwa cikakkiyar Takamaiman Ƙididdigar Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin Ƙarƙashin ku na RBI. albashi.

Tambayoyin da ake yawan yi

Banki zai iya rufe asusun ajiyar kuɗi na a bisa doka ba tare da sanarwar kwanaki ba kuma ya ƙi gaya mani dalili?

Ee. Ƙarƙashin Yarjejeniyar Asusu na Deposit da kuka sanya hannu lokacin buɗe asusun, ku da bankin ku kuna da haƙƙin doka don yanke dangantakar banki a kowane lokaci don kowane dalili mara nuna bambanci. Bugu da kari, idan software na biyan kuɗi ta atomatik na bankin ya ba da alamar ma'amala don yuwuwar Rahoton Ayyukan da ake tuhuma (SAR) a ƙarƙashin Dokar Sirri na Bankin tarayya, dokar tarayya (31 U.S.C. § 5318(g)(2)) ta hana ma'aikatan banki gaya muku dalilin da yasa aka rufe asusun. Duk da haka, yayin da banki ke da hakkin rufe asusun ku, ba shi da ikon kiyaye kuɗin ku na halal.

Har yaushe banki zai iya rike kuɗi na bayan rufe asusuna, kuma ta yaya zan dawo da su cikin sauri?

Don daidaitaccen rufewar gudanarwa inda babu takamaiman ajiya da ake zargi da zamba, bankuna galibi suna aikawa da cak ɗin mai kuɗaɗen takarda don sauran ma'auni a cikin kwanaki 10 zuwa 14 na kasuwanci bayan cinikin katin zare kudi na ƙarshe ya daidaita. Idan bankin ya yi iƙirarin yana riƙe kuɗin ku na tsawon kwanaki 30 zuwa 60+ don "zamba ko bincike-binciken tushen kuɗi," kira Tebur Rigakafin Rashin Asara na banki don ba da tabbacin halaccin ajiyar kuɗi (kamar biyan kuɗi ko tabbatar da rajistan rajista), kuma idan har yanzu sun ƙi sakin kuɗaɗen da ba a tantance su ba nan da nan bayan 10 zuwa 14 na kasuwanci kwanakin kasuwanci tare da Kariyar Kudi (B). OCC.

Menene zai faru da ajiyar kuɗi na kai tsaye ko biyan kuɗin Social Security idan an aika shi zuwa asusun banki na da ke rufe?

Idan an riga an rufe asusun ku gabaɗaya a cikin tsarin kwamfuta na banki, masu shigowa kai tsaye adibas na ACH (kamar biyan kuɗi ko Tsaron Jama'a) ana ƙi su kai tsaye kuma a mayar da su ga mai aikawa tare da ACH Return Code R02 (Account Closed), wanda yawanci yana ɗaukar kwanaki 3 zuwa 5 na kasuwanci kafin mai aiki ko gwamnati su iya sake fitar da kuɗin ku zuwa sabon asusu. Mafi muni, idan asusunka yana cikin “Jihar Daskararre/Ƙuntatawar Rufewa”, banki na iya karɓar ajiyar kuɗi mai shigowa kai tsaye kuma ya kulle shi a cikin daskararrun asusu har sai an aiko da rajistan rufewar ƙarshe makonni bayan haka. Koyaushe sake dawo da ajiyar kuɗin ku kai tsaye daidai ranar da kuka fahimci daskare asusu.

Idan an ba ni jerin sunayen ChexSystems DA Sabis na Gargaɗi na Farko, a ina zan iya buɗe ainihin asusun banki a yau don karɓar albashi na?

Mafi kyawun zaɓinku nan da nan a Amurka shine buɗe Asusun Gudanar da Kuɗi kyauta a babban dillali na saka hannun jari, musamman Fidelity Cash Management Account (fidelity.com) ko Charles Schwab, ko asusun bincike na fintech kamar Chime. Saboda an tsara Asusun Gudanar da Kuɗi na Fidelity azaman asusun dillali da aka shiga cikin bankunan abokan tarayya masu inshorar FDIC, yana ba da lambar zazzagewa ta gaske don ajiyar kuɗi kai tsaye, rubuta rajistan kyauta, biyan kuɗi kyauta, da katin zare kudi na Visa ba tare da ja ChexSystems ko Sabis na Gargaɗi na Farko ba. A madadin, nemi Bankin Asusu mara izini (kamar Wells Fargo Clear Access, Bank of America SafeBalance, ko asusun kuɗi na gida na biyu).

Shin rufe asusun banki kwatsam ko rikodin ChexSystems ya cutar da makina na yau da kullun (FICO)?

A'a, rufe asusun ba da son rai ba da ChexSystems ko Rahoton Sabis na Gargaɗi na Farko baya bayyana akan daidaitattun rahotannin kuɗi na Equifax, Experian, ko TransUnion kuma ba su da tasiri kai tsaye akan ƙimar kuɗin FICO ɗin ku, SANAR da an rufe asusunku tare da ma'auni mai kyau ko sifili. Koyaya, idan an rufe asusun ajiyar ku tare da ma'auni mara kyau kuma ba ku biya wannan ma'auni mara kyau a cikin kwanaki 30 zuwa 60 ba, bankin zai sayar da wannan bashin da ba a biya ba ga hukumar tara kuɗi ta ɓangare na uku, wanda zai iya ba da rahoton layin kasuwancin tarin zuwa Equifax, Experian, da TransUnion kuma ya sauke ƙimar FICO ta maki 50 zuwa 100.

Jagora masu alaƙa

Tushen da jagorar hukuma

  • ** Ofishin Kariyar Kuɗi na Mabukaci (CFPB, Amurka)**: CFPB Circular 2022-06 (Ayyukan Rufe Asusun da Ba a Tsaya ba), Dokokin Hukumar Bayar da Rahoto na Musamman na Abokan Ciniki, da Canja wurin Asusun Lantarki (Dokar E).
  • Ofishin Kwanturolan Kudi (OCC) da Hukumar Reserve ta Tarayya (Amurka): Dokar CC (12 CFR Sashe na 229, Dokar Samar da Kudade Mai Sauƙi) Rike Iyakoki da Dokar Sirri na Bankin Dokokin Sirri na SAR (31 U.S.C. § 5318)()
  • Cities for Financial Empowerment Fund (CFE Fund): Bank On National Account Standards for Certified Second-Chance and Overdraft-Free Checking Accounts.
  • Financial Consumer Agency of Canada (FCAC): Access to Basic Banking Services Regulations (Bank Act Section 627.17).
  • UK Financial Conduct Authority (FCA), Financial Ombudsman Service (FOS), and Cifas: Payment Accounts Regulations 2015 (Basic Bank Accounts) and Cifas National Fraud Database DSAR/Appeal Procedures.