Ho koaloa ha Akhaonto ea Banka ka Tšohanyetso (De-Banking), ChexSystems Blacklisting, le ho Fumana chelete¶

Ho tsoha ho fumana karete ea hau ea mokitlane e hanne lebenkeleng la korosari le sesebelisoa sa hau sa banka sa mohala se bonts'a "Akhaonto e thibetsoe / e koetsoe ke Setsi sa Lichelete" ntle le tlhokomeliso ea pele ke boemo ba tšohanyetso ba lichelete ba lelapa. E tsejoa indastering eohle ea libanka e le de-banking, exit-riking, kapa ho koaloa ha melao-motheo ea algorithm, libanka le lisebelisoa tsa fintech (tse kang Chase, Bank of America, Wells Fargo, Citibank, Capital One, Chime, PayPal, kapa Revolut) hangata li emisa le ho emisa ho hlahloba le ho boloka li-account tsa bona bosiung bo bong (ML) kapa bomenemene algorithms tšoaea depositi, phetisetso Zelle, setšoantšo cheke mobile, cryptocurrency mosebetsi, kapa overdraft phehisano. Ho hobe le ho feta, ha banka e koala ak'haonte ea hau, e ka boloka chelete ea hau e setseng matsatsi a 10 ho isa ho a 60 pele e romella cheke ea chelete ea pampiri, ha ka nako e le 'ngoe e tlaleha letšoao le nyelisang ("Tlhekefetso ea Akhaonto" kapa "Ho belaelloa Bomenemene") ho ChexSystems le Lits'ebeletso tsa Temoso ea Pele (EWS) e u thibelang ho bula akhaonto kae kapa kae.

Haeba ak'haonte ea hau e ile ea koaloa ke lekhotla le laetsoeng ke mokoloto, bolaoli ba lekhetho, kapa setsi sa tšehetso ea bana ho fapana le ho latela melao ea banka, fetola hang-hang ho tefiso ea ak'haonte ea banka, ak'haonte ea ho hlahloba e leqhoa, le tokollo ea chelete e sa lefelloeng; haeba ho koaloa ha hao ho bakoa ke cheke ea pampiri e ferekaneng kapa e fetotsoeng, bona ho hlatsoa cheke, ho fetoloa ha mangolo a utsoitsoeng, le bomenemene ba cheke ea motho ea sebelisang chelete; haeba debite e sa dumellwang ya ACH e ile ya fokotsa tekanyo ya hao, le a bona khang ea ho khutlisa karete ea mokoloto, debit e sa lumelloeng ea ACH, le Regulation E; mme bakeng sa thuso e potlakileng ya tshohanyetso, ikopanye le rona dinomoro tsa tshohanyetso directory.

Etsa sena hona joale¶

1. Bula akhaonto ea ho hlahloba e ncha setsing se secha KAJENO pele banka e koalang e tlaleha ho ChexSystems kapa Litšebeletso tsa Tlhokomeliso ea Pele: Hangata ho nka matsatsi a khoebo a 3 ho isa ho a 14 hore faele ea batch e koalang e fihle ho ChexSystems. Etsa kopo inthaneteng kapa ka seqo mokhatlong oa mekitlane ea lehae kapa banka e netefalitsoeng ea "Second-Chance / Non-ChexSystems" kajeno hore o be le routing e sebetsang le nomoro ea ak'haonte hang-hang.
2. **Tlosa boipiletso bo tobileng ba mohiri oa hau, Ts'ireletso ea Sechaba, melemo ea VA, kapa puseletso ea lekhetho nakong ea lihora tse 24 **: Haeba moputso oa hau kapa melemo ea mmuso e romelloa ka ACH ho akhaonto ea banka e koetsoeng kapa e hatselitsoeng, chelete e tla khutlela ho mohiri oa hau (e liehisa moputso oa hau ka matsatsi a 5 ho isa ho a 10 a khoebo) kapa a ts'oaroe ka har'a ak'haonte ea hau e ntse e le ka har'a ak'haonte ea hau.
3. Hlakola lingoloa tsohle tsa othomathiki tsa tefo ea ntlo (ACH debit) bakeng sa ntlo ea hau, rente, kalimo ea koloi, inshorense, le lisebelisoa tsa thuso: Ha banka e koala ak'haonte ea hau, tefo efe kapa efe e kenang ea othomathiki ea sekoloto sa hau, rente, kapa karete ea mokoloto e tla khutla le ACH Return Code R02 (Account e Koetsoe) kapa **R16 (Account) e khutlisetsoa morao matshwao, le ho kwallwa batho ba o kolotang.
4. ** Letsetsa banka e koalang Lefapha la Thibelo ea Tahlehelo / Back-Office Risk (eseng tšebeletso e tloaelehileng ea bareki) ho fumana hore na ke tokomane efe e hlakolang tekanyo ea hau e leqhoa **: Haeba banka e tšoere chelete ea hau ea moputso kapa chelete ea polokelo nakong ea "tlhahlobo ea lichelete tsa matsatsi a 60," botsa hore na ho tlisa mofani oa cheke (kapa mohiri oa hau le litefello tsa lekhetho) hang-hang o tla lokolla ofisi ea lekala hang-hang mookameli oa lekala.
5. ** Netefatsa aterese e nepahetseng ea lengolo faeleng 'me u batle nomoro ea morao-rao bakeng sa cheke ea hau e koalang ea mokheshe**: Hangata libanka li romella chelete e setseng ea ak'haonte e koetsoeng ka poso e tloaelehileng atereseng e faeleng. Netefatsa aterese ea seterata hang-hang hore chelete eo u e bolokileng e se ke ea romelloa foleteng ea khale.
6. Hlahisa tletlebo ea semolao ho CFPB le OCC (ho la US) kapa Financial Ombudsman (UK) haeba banka e tšoere chelete e sa qothisanang lehlokoa le eona nakong e fetileng ea matsatsi a khoebo a 10 ho isa ho a 14: Tlas'a tataiso ea libanka tsa mmuso, banka e ke ke ea amoha chelete ea moputso kapa chelete ea polokelo ka nako e sa lekanyetsoang kamora ho koaloa ha ak'haonte; ho kenya litletlebo tsa balaoli ho isa faele ea hau ka kotloloho ho Executive Office ea banka 'me hangata o lokolla cheke ea hau ea mokheshe nakong ea matsatsi a 3 ho isa ho a 5 a khoebo.

Sefate sa liqeto: ho pholoha ka tšohanyetso ak'haonte ea banka e koaloang kapa e koaloa¶

Ha ak'haonte ea hau ea cheke kapa ea polokelo e notletsoe kapa e reriloe hore e koaloe, latela lethathamo lena la morao-rao ho sireletsa chelete ea hau, likoloto le phihlello ea hau ea banka.

flowchart TD
    Start["Banka e Emisa kapa E Koala Ak'haonte ea Hao ea Chelete / Polokelo Ntle le Temoso"] --> Step1Open["Hora ea 1: Hang-hang Bula Accounting Checking Account ho Local Credit Union kapa Non-ChexSystems Bank (Chime, SoFi, Capital One 360, kapa Fidelity Cash Management)"]
    Step1Open --> Step2Reroute["Hora ea 2: Fetola depositi e tobileng ea Mohiri, Ts'ireletso ea Sechaba / Pension ACH, le Litefiso Tsohle tsa Boithaopo (Mortgage, Rent, Car, Credit Cards) ho Akhaonto e Ncha."]
    Step2Reroute --> WhyLocked{"1. Ke hobane'ng ha banka e ile ea koala kapa ea koala akhaonto?"}
    WhyLocked -->|"A. Lekhetho la Kahlolo ea Lekhotla, IRS/Lekhetho la Lekhetho la Naha, kapa Likhabiso tsa Tšehetso ea Bana"| LevyPath["Eseng ho Koalloa ha Banka: Latela Lefi la Akhaonto ea Banka le Ts'ebetso ea Ts'ebetso ea Lichelete Hanghang"]
    WhyLocked -->|"B. Ho belaelloang hore Hlahloba Bomenemene, Mobile Deposit Hold, kapa Unverified Wire/Zelle Inflow"| SourceHold["Letsetsa Bank's Tahlehelo Thibelo / Bosholu Verification Desk; Fana ka Netefatso ea Moetsi oa Lekala kapa Li-Paystubs tse Pakiloeng/HUD-1 Polelo ea ho Koala e Hlakileng"]
    WhyLocked -->|"C. Compliance / AML 'Exit-Risk' Ho koaloa (Crypto, Cash Structuring, SAR Algorithm, kapa Ha ho na Lebaka le Fuoang)"| ExitClosure["Banka e ke ke ea Bula Ak'haonte hape; Netefatsa Aterese ea Lengolo bakeng sa ho Koala Chelete ea Chelete le ho Batla Letsatsi le Nepahetseng la Tokoloho"]
    WhyLocked -->|"D. Negative Balance / Overdraft Charge-Off"| OverdraftClose["Lefa Tefiso e Fosahetseng Pele ho Letsatsi la 30-60 la Tefiso kapa le Rerisane le ho Tlosoa ha Litefiso tsa Bobeli"]
    SourceHold --> FundsStuck{"2. Na banka e hana ho lokolla chelete ea hau ea molao ka mor'a matsatsi a 10 a khoebo?"}
    ExitClosure --> FundsStuck
    FundsStuck -->|"E: Banka e ts'oereng moputso oa chelete / chelete e sa lekanyetsoang"| FileRegulator["Hlahisa tletlebo ea Hang-hang le CFPB (consumerfinance.gov) LE OCC/FDIC (kapa UK Financial Ombudsman / FCAC); Batla ho Khutlisoa Hang-hang ha Chelete e sa Hanyetsoeng"]
    FundsStuck -->|"Che: Cheke ea ho koala e rometsoe ka poso"| DepositCheck["Deposit Closing Check into New Account; Hula ChexSystems ea Mahala & Litšebeletso tsa Temoso tsa Pele (EWS) Li tlaleha ho hanyetsa Khoutu efe kapa efe ea Bohata ea 'Bomenemene'"]

Hobaneng ha libanka li koala liakhaonto tsa bareki ba se nang molato ka tšohanyetso (The 5 algorithmic triggers)¶

Tlas'a thekiso e tloaelehileng Litumellano tsa Akhaonto ea Deposit lefatšeng ka bophara, banka e na le tokelo ea konteraka ea ho koala ak'haonte ea depositi ea moreki ka nako efe kapa efe ntle le lebaka. Leha ho le joalo, boholo ba ho koaloa ha tšohanyetso, enjene ea kotsi e ikemetseng e ile ea tsosa e 'ngoe ea lifolakha tse hlano tse ikhethileng:

1. Mobile Cheke Deposit kapa Pampiri Ho Hlokoloha Netefatso: O kentse cheke ea tefo ea inshorense, cheke ea motho ea etsang chelete ha u rekisa koloi, cheke ea pusetso ea lekhetho la US Treasury, kapa cheke ho tsoa ho moreki e mocha a sebelisa khamera ea hau ea smartphone. Haeba cheke e le kholo ha e bapisoa le tekanyo e tloaelehileng ea ho leka-lekana, kapa haeba banka e fanang ka chelete e hlōleha ho arabela ping ea netefatso ea morao-rao, algorithm ea banka e tšoaea cheke e le "Sesebelisoa se Fetohileng / Se Fokotseng" 'me e notlela kamano ea hau eohle.
2. Zelle, Venmo, kapa Wire Transfer "Chain Contamination": Haeba u rekisitse bethe kapa litekete tsa konsarete inthaneteng 'me moreki a u lefa lidolara tse 300 ka Zelle,' me matsatsi a mararo hamorao banka ea moreki e tlaleha hore moreki o ne a sebelisa ak'haonte e utsoitsoeng kapa a etsa scam, akhaonto e 'ngoe le e' ngoe ea banka e amohetseng Zelle ho tsoa ho moreki oa Ear (EWS)* marangrang.
3. Mefuta ea Lichelete tsa Chelete tse shebahalang eka ke "Ho Hlophisa" (Katlasa $10,000): United States, libanka li fana ka tlaleho ea kamehla ea Currency Transaction Report (CTR) bakeng sa transactions ea chelete e fetang 10,000 US dollar (kapa $10,000 CAD in Canada / €10,000 EU). CTR e molaong ka botlalo ebile ha e na kotsi. Leha ho le joalo, haeba u kenya $4,500 ka chelete ka Mantaha le $4,800 ka chelete ka Laboraro ha u rekisa koloi e sebelisitsoeng kapa malebela a reschorenteng, software ea banka e tla u tšoaea Structuring (31 U.S.C. § 5324), tlolo ea molao ea mmuso ea ho qhekella li-depositi hore li lule li le ka tlase ho $10,000, ebe e koala akhaonto ea hau ka bo eona.
4. Cryptocurrency Exchange Transfers, Ho Becha, kapa Mesebetsi e Phahameng ea Kotsi ea Khoebo ka Akhaonteng ea Botho: Ho romela ACH kapa ho fetisetsoa ka mohala ho li-platform tsa cryptocurrency tsa offshore, libuka tsa lipapali tsa marang-rang, li-transmitters tsa chelete tse sa ngolisoang ka molao, kapa ho sebelisa chelete e ngata ea e-commerce / khoebo ea khoebo ka akhaonto ea ho hlahloba motho ho etsa hore ho koaloe ka mokhoa o itekanetseng oa ho tsoa ha AML.
5. Melao e Feteletseng E Likhohlano kapa Ho Khutlisitsoe ke ACH Hull: Ho tlatsa litefello tsa likarete tse ngata tsa banka kapa ho ba le li-depositi tse ngata tse kenang tsa ACH (Khoutu ea ho Khutlela R01/R09) ho tšoaea boemo ba boemo bo le kotsi e kholo ea mokoloto/mosebetsi.

Ho utloisisa li-blacklists tse peli tsa banka: ChexSystems vs. Early Warning Services (EWS)¶

Bareki ba bangata ba tseba ka li-credit bureaus tse tharo (Equifax, Experian, le TransUnion), tse latellang likarete tsa mekitlane le likalimo. Leha ho le joalo, ha o etsa kopo ea akhaonto ea ho hlahloba kapa ea polokelo, libanka ha lia itšetleha haholo ka lintlha tsa hau tsa FICO; ho e-na le hoo, ba hula mekhatlo e 'meli e khethehileng ea tlaleho ea bareki ** e laoloang tlas'a federal Fair Credit Reporting Act (FCRA):

Mokhoa oa ho khutlisa chelete ea hau e hoammeng ha banka e u ts'oara ka limbo¶

Ha banka e koala ak'haonte ea hau ka mokhoa o hloekileng (mohlala, qeto ea tsamaiso ea "ho tsoa kotsi" moo ho se nang khang ea depositi e itseng), hangata banka e thibela likoloto tsa elektronike hang-hang ebe e romella **cheke e koalang ea motho ea bolokang chelete ** bakeng sa chelete e setseng nakong ea matsatsi a 10 ho isa ho a 14 **.

Leha ho le joalo, haeba banka e koetse ak'haonte ea hau hobane e belaella ** depositi e khethehileng ea cheke, phetisetso ea mohala, kapa tefo ea melemo ea mmuso **, banka e ka beha **Back-Office Research Hold / Restraint ** mme ea u joetsa hore e tšoere chelete ea hau matsatsi a 30, 60, kapa 90 (kapa e batla hore u netefatse hore lichelete ke tsa hau pele ba lokolla sente). Latela mehato ena e meraro ea ho nyolla ho khutlisa chelete ea hau kapele:

Mohato oa 1: Hlakola cheke kapa ho boloka depositi ka "Maker Verification"¶

Haeba ak'haonte ea hau kaofela (ho kenyeletsoa le chelete ea hau ea moputso e molaong) e ne e thibetsoe hobane u kentse cheke e kholo ho tsoa ho motho e mong (joalo ka k'hamphani ea inshorense, k'hamphani ea sehlooho sa thekiso ea matlo, thepa ea lelapa, kapa mohiri): 1. Letsetsa banka ** Thibelo ea Tahlehelo / Tlhahlobo ea Deposit ** (botsa mookameli oa lekala bakeng sa katoloso e tobileng ea kahare). 2. Botsa setsebi: "Ke kgwebisano efe e itseng e entseng hore ke tshwarwe, mme ke netefatso efe e nepahetseng eo o e hlokang ho tswa ho mofani wa thepa hore o ntokolle tjhelete ya ka?" 3. Tiiso ea Litsela Tse Tharo tsa Lekala: Tsamaea lekaleng la banka ea hau ka mefuta e 'meli ea ID ea mmuso, konteraka ea cheke ea mantlha kapa konteraka ea ho lefa, le lintlha tsa ho ikopanya le motho kapa khamphani e u ngoletseng cheke (Moetsi). Kopa Mookameli oa Lekala ho letsetsa deske ea bona ea ka hare ea Thibelo ea Tahlehelo moleng o le mong le likopanong bankeng e fanang ka chelete kapa ho cheke mongoli moleng oa bobeli, kapa motho ea u ngoletseng cheke a kene lekaleng le uena ka ID ea hae. Hang ha ofisi e ka morao ea banka e netefatsa hore Moetsi ha a tlaleha cheke e utsoitsoeng kapa e ferekaneng, ba tlameha ho lokolla chelete eo ba e bolokileng 'me ba fane ka cheke ea hau e koalang ea mokheshi.

Bohato ba 2: Kopana le Molao oa ho Fumaneha ha Lichelete ka Potlako (Regulation CC) le Regulation E¶

United States, libanka ha li khone ho etsa melao e sa reroang ea matsatsi a 90 ntle le ho latela molao oa mmuso: - Regulation CC (12 CFR Part 229, Expedited Fund Availability Act): E laela palo e phahameng ea matsatsi a khoebo ao banka e ka bolokang cheke depositi (ka kakaretso matsatsi a 2 a khoebo bakeng sa licheke tse tloaelehileng, ho fihla ho matsatsi a 7 a khoebo bakeng sa mokhelo o na le chelete e fetang $5,525 kapa lipelaelo tse mabapi le ho bokelloa, le ts'ebetso ea ts'ebetso ea US, le ts'ebetso ea ts'ebetso ea US. licheke tsa cashier, le li-depositi tse tobileng tsa elektroniki). Haeba cheke e se e hlakotse banka e lefang 'me fensetere ea ho khutlisa ea banka e lefang e fetile ntle le ho khutlisa, banka ea depositi ha e na tokelo ea molao ea ho boloka chelete e bokeletsoeng ka nako e sa lekanyetsoang. - Molawana E (12 CFR Karolo ya 1005, Phetisetso ya Letlole la Elektroniki): Haeba banka e ile ya emisa akhaonto ya hao ka mora hore o hane ka debite ya elektroniki e sa dumellwang, kapa haeba depositi ya elektroniki ya ho patala e tshwerwe ntle le taelo e nepahetseng ya lekgotla kapa dikotlo tsa OFAC, batla ho nyollela Regulatory Compliance Officer ya banka.

Mohato oa 3: Hlahisa tletlebo ea hang-hang ea CFPB le OCC / Federal Reserve (The 72-Hour Executive Bypass)¶

Haeba baemeli ba mehala ba lula ba bala lengolo le hanang ho lokolla chelete ea hau e ke keng ea qojoa, khaotsa ho letsetsa mohala oa litšebeletso tsa bareki oa 1-800. Sebelisa metsotso e leshome ho kenya litletlebo tse peli tsa molao tsa molao inthaneteng: 1. Consumer Financial Protection Bureau (CFPB) ho consumerfinance.gov/complaint (Khetha Check or savings account -> Ho koala ak'haonte -> Chelete e sa amoheloeng akhaonteng e koetsoeng). 2. Ofisi ea Molaoli oa Chelete (OCC) ho helpwithmybank.gov (bakeng sa libanka tsa naha tse kang Chase, Bank of America, Wells Fargo, Citi, U.S. Bank, PNC, Capital One) KAPA FDIC / State Banking Department (bakeng sa libanka tse hiriloeng ke naha) KAPA NCUA (mycreditunion.gov bakeng sa mekhatlo ea mekoloto). - Hobaneng ha sena se sebetsa hang-hang: Ho ea ka molao, ha tletlebo ea CFPB kapa OCC e fihla bankeng, e feta setsi sa mehala ea kantle ho naha le mola o tloaelehileng oa bomenemene ka ho felletseng ebe e lula deskeng ea Ofisi ea Phethahatso / Ofisi ea Mopresidente, e tlamehang ho fana ka karabo e ngotsoeng e hlophisitsoeng ho mmuso oa koporasi nakong ea matsatsi a 15. Ha e le hantle, mosebeletsi oa molao oa Ofisi ea Phethahatso o tla u letsetsa matsatsing a 2 ho isa ho a 5 a khoebo, a hlahlobe li-paystubs kapa ID ea hau, 'me ka bosiu bo le bong cheke ea hau ea ho koala ea mokheshee ka FedEx/UPS ho koala tletlebo ea mmuso.

Lethathamo la libanka tse netefalitsoeng tsa Second-Chance le Non-ChexSystems¶

Haeba u se u ntse u e-na le ChexSystems e mpe kapa rekoto ea Litšebeletso tsa Temoso ea Pele, kapa u batla ho bula akhaonto e bolokehileng kajeno e sa sebeliseng ChexSystems, sebelisa e 'ngoe ea litsela tsena tse tiisitsoeng:

1. Liakhaonto tsa Tsamaiso ea Chelete ea Brokerage (The #1 Legal Bypass for Both ChexSystems LE EWS)¶

Likhoebo tse kholo tsa matsete li fana ka mahala ** Liakhaonto tsa Tsamaiso ea Chelete ** tse tlang le nomoro ea ho tsamaisa, nomoro ea ak'haonte bakeng sa depositi e tobileng ea moputso, tefo ea mahala e sa lekanyetsoang, libuka tsa licheke tsa mahala, karete ea debit ea Visa/Mastercard e nang le puseletso ea tefiso ea ATM lefatšeng ka bophara, le inshorense e felletseng ea FDIC, leha ho le joalo ** ke liakhaonto tsa barekisi ba matsete, kahoo ha li hule Lits'ebeletso tsa Chexys: - Fidelity Cash Management Account (fidelity.com): Litefiso tsa khoeli le khoeli tsa Zero, tekanyo e tlase ea zero, e fana ka nomoro e felletseng ea ho tsamaisa/ak'haonte (ka UMB Bank), ho ngola cheke mahala, lithapo tsa mahala tsa lapeng, le litheolelo tsa ATM. - ** Charles Schwab Investor Checking / Brokerage ** kapa Vanguard Cash Plus: Lekola lits'oants'o tse khethehileng tsa chelete ea barekisi bakeng sa depositi e felletseng e tobileng le ts'ebetso ea tefo ea tefo ea ACH.

2. Libanka tse kholo tse sa sebeliseng ChexSystems (kapa li fana ka liakhaonto tse molaong tsa monyetla oa bobeli)¶

• Akhaonto ea ho hlahloba Chime (chime.com, FDIC-inshorense ka The Bancorp Bank / Stride Bank): Ha ** ** ha e hule ChexSystems kapa EWS bakeng sa ho bula mokhoa o tloaelehileng oa ho hlahloba; ha ho litefiso tsa khoeli le khoeli kapa litefiso tsa overdraft.
• Ho hlahloba le ho boloka chelete ea SoFi (sofi.com, SoFi Bank, N.A.): E sebelisa netefatso e bonolo ea mokoloto/boitsebahatso ho fapana le ho theoha ka thata ho ChexSystems bakeng sa bakopi ba bangata.
• Capital One 360 ​​Checking (capitalone.com): Le ha Capital One e le setho sa EWS, e ts'oarela lipehelo tsa nakong e fetileng tse nyane tsa ChexSystems hang ha li rarollotsoe.
• Banka ea Wells Fargo Clear Access Banking, Bank of America SafeBalance Banking, Chase Secure Banking, le U.S. Ak'haonte ea Banka e Sireletsehileng ea Debit: Liak'haonte tse sa cheke, tse sa lefelleng chelete e ngata Bank On Certified liak'haonte tse etselitsoeng ka ho khetheha ho amohela bakopi ba hanetsoeng bakeng sa tlhahlobo e tloaelehileng ka lebaka la nalane ea nako e fetileng e sa lefshoang (ha feela mokopi a se na folakha e sebetsang ea Fraud ho EWS).
• Mekhatlo ea Mekitlane ea Lehae (Ho hlahloba "Qalo e Ncha"): Makholo a mekhatlo ea mekitlane ea lehae e fana ka liak'haonte tse inehetseng tsa Monyetla oa Bobeli tse fetolelang ho ak'haonte e tloaelehileng ea tlhahlobo kamora likhoeli tse 6 ho isa ho tse 12 tsa nalane e ntle.

Protocol ea mohato ka mohato ho hanyetsa le ho tlosa ChexSystems kapa letšoao la EWS le fosahetseng¶

Haeba banka e koetse ak'haonte ea hau 'me e tlaleha "Ho belaelloa Bomenemene" kapa "Tlhekefetso ea Ak'haonte" ho ChexSystems kapa Litšebeletso tsa Temoso ea Pele ha u sa etsa letho le phoso (mohlala, u bile phofu ea cheke ea bounced eo motho e mong a u ngoletseng eona, kapa ho koaloa ha algorithm ea bohata), u na le tokelo tlas'a Section 611 le The Fair Credit Reporting Act ea 62. 1681i & § 1681s-2) ho qobella lipatlisiso le ho hlakoloa:

1. Hula litlaleho ka bobeli pele: Khoasolla tšenolo ea hau ea mahala ho chexsystems.com le earlywarning.com 'me u bale hantle Khoutu ea Mabaka e Tlalehiloeng (mohlala, Tšoaro e sa Khotsofatsang ea Akhaonto, Ho Tloha Tefiso ea Overdraft, kapa Ketso eo ho nahanoang hore ke Bomenemene).
2. Romela Khang ea Ka Nako E 'ngoe ea FCRA + Khang ea Direct Furnisher ka Lengolo le Pakiloeng:
3. Se ke oa tobetsa feela konopo ea "Khang" inthaneteng ka mongolo oa polelo e le 'ngoe. Ngola lengolo le hlakileng, le nang le 'nete le reng: *"Ka [Letsatsi], [Lebitso la Banka] ke ile ka koala ak'haonte ea ka e qetellang ka [XXXX]' me ke tlalehile setsi sa hau sa 'Tlhekefetso ea Akhaonto / Bomenemene'. Ke entse bomenemene 'me ha kea ka ka sebelisa chelete e ngata ho akhaonto ena; chelete ea ka ea ho koala e ne e le $[Chelete]. Ho khomaretsoe ke setatemente sa ka sa ho qetela sa banka, bopaki ba moputso oa TCF / tlaleho ea legitident ea ka (haeba ho hlokahala, tlasa 15 U.S.C.
4. Romela kopi e le 'ngoe ka USPS Certified Mail with Return Receipt Kopiloe ho ChexSystems Dispute Department (PO Box 583399, Minneapolis, MN 55458) le Tlhokomeliso ea Pele ea Litšebeletso tsa Bareki (5801 N. Pima Rd, Scottsdale2, aClox ea 5 ka ho toba), kopi ea 50 AZ le 8 ka ho toba Aterese ea Khang ea Banka ea FCRA Credit Bureau**.
5. The 30-day Statutory Deletion Clock: Tlas'a FCRA, ChexSystems, EWS, le banka e tlalehang ba tlameha ho qeta lipatlisiso tsa bona nakong ea **matsatsi a khalendara a 30 ** (kapa ba hlakole ho kena ka bohona haeba banka e hloleha ho netefatsa ho nepahala ha lengolo la "Fraud/Abuse" ka bopaki bo tiileng).

Linomoro tsa libaka tsa tšohanyetso le liprothokholo tsa likhang tsa banka¶

Lipotso tse botsoang khafetsa¶

Na banka e ka koala ka molao liakhaonto tsa ka tsa cheke le tsa polokelo ka tsebiso ea matsatsi a noto 'me ea hana ho mpolella hore na ke hobane'ng?¶

Ee. Tlas'a Tumellano ea Akhaonto ea Depositi eo u e saenneng ha u bula ak'haonte, uena le banka le na le tokelo ea molao ea ho felisa likamano tsa banka ka nako efe kapa efe ka lebaka lefe kapa lefe le sa khetholleng. Ho feta moo, haeba software ea banka ea automated compliance e tšoaile transaction bakeng sa Pehelo e ka bang teng Suspicious Activity Report (SAR) tlas'a federal Bank Secrecy Act, molao oa federal (31 U.S.C. § 5318(g)(2)) o thibela ka thata basebetsi ba banka ho u bolella hore na ke hobane'ng ha akhaonto e koetsoe. Leha ho le joalo, leha banka e na le tokelo ea ho koala ak'haonte ea hau, HA E na tokelo ea ho boloka chelete ea hau e molaong.

Banka e ka tšoara chelete ea ka nako e kae ka mor'a ho koala ak'haonte ea ka, 'me nka e khutlisa kapele hakae?¶

Bakeng sa ho koaloa ho tloaelehileng ha tsamaiso moo ho sa belaelloang hore ho na le depositi e itseng ea bomenemene, hangata libanka li romela cheke ea chelete ea pampiri bakeng sa balanse ea hao e setseng nakong ea matsatsi a 10 ho isa ho a 14 a khoebo ka mor'a hore lik'hamphani tsa hao tsa ho qetela tsa karete ea banka li rarolloe. Haeba banka e re e tšoere chelete ea hau bakeng sa matsatsi a 30 ho isa ho a 60+ bakeng sa "patlisiso ea bomenemene kapa mohloli oa chelete," letsetsa desiki ea Thibelo ea tahlehelo ea banka ho fana ka bopaki ba bonnete ba depositi (joalo ka li-paystubs kapa netefatso ea moetsi oa cheke), mme haeba ba ntse ba hana ho lokolla lichelete tse sa tsitsang tse fetileng matsatsi a 10 a ts'ireletso ho Consumer Bureau ea 1. (CFPB) le OCC.

Ho etsahala'ng ka depositi ea ka e tobileng ea moputso kapa tefo ea Ts'ireletso ea Sechaba haeba e romelloa akhaonteng ea ka ea banka e koetsoeng?¶

Haeba ak'haonte ea hau e se e koetsoe ka botlalo tsamaisong ea komporo ea banka, chelete e kenang ka kotloloho ea ACH (joalo ka moputso kapa Ts'ireletso ea Sechaba) e hanoa ka bo eona ebe e khutlisetsoa ho motho ea e rometseng ka ACH Return Code R02 (Account e Koetsoe), eo hangata e nkang matsatsi a 3 ho isa ho a 5 pele mohiri oa hau kapa mmuso o ka khutlisetsa moputso oa hau akhaonteng e ncha. Ho hobe le ho feta, haeba ak'haonte ea hau e maemong a "Frozen / Restricted Pending Pending", banka e ka amohela depositi e kenang ka kotloloho 'me ea e notlela ka har'a ak'haonte e hatselitsoeng ho fihlela cheke ea ho qetela ea ho koala e romelloa libeke hamorao. Kamehla tsamaisa depositi ea hau ka letsatsi le tobileng leo u ithutileng ka ho emisa ha akhaonto.

Haeba ke ngolisitsoe ho ChexSystems LE Litšebeletso tsa Temoso tsa Pele, nka bula ak'haonte ea sebele ea banka hokae kajeno hore ke fumane moputso oa ka?¶

Khetho ea hau ea hang-hang United States ke ho bula Akhaonto ea Tsamaiso ea Chelete ea mahala khoebong e kholo ea matsete, haholo-holo Fidelity Cash Management Account (fidelity.com) kapa Charles Schwab, kapa ak'haonte ea ho hlahloba fintech joalo ka Chime. Hobane Fidelity's Cash Management Account e hlophisitsoe joalo ka ak'haonte ea barekisi e hoeletsoeng libankeng tsa balekane ba inshorense ea FDIC, e fana ka nomoro ea 'nete ea ho tsamaisa chelete bakeng sa depositi e tobileng ea moputso, ho ngola cheke mahala, tefo ea mahala ea sekoloto, le karete ea debit ea Visa ntle le ho hula ChexSystems kapa Litšebeletso tsa Temoso tsa Pele. Ntle le moo, etsa kopo ea Bank On certified checkless account (joalo ka Wells Fargo Clear Access, Bank of America SafeBalance, kapa akhaonto ea lehae ea mekitlane ea Monyetla oa Bobeli).

Na ho koaloa ha ak'haonte ea banka ka tšohanyetso kapa rekoto ea ChexSystems e utloisa bohloko lintlha tsa ka tsa kamehla tsa mokoloto (FICO)?¶

Che, ho koaloa ha akhaonto ea ho hlahloba ka boithatelo le tlaleho ea ChexSystems kapa Litšebeletso tsa Temoso ea Pele ha li hlahe litlalehong tsa hau tsa mokitlane tsa Equifax, Experian, kapa TransUnion 'me ha li na tšusumetso e tobileng ho lintlha tsa hau tsa mokoloto oa FICO, HA HO FIHLELA akhaonto ea hau e koetsoe ka chelete e ntle kapa e se nang letho. Leha ho le joalo, haeba ak'haonte ea hau ea banka e ne e koetsoe ka tekanyo e mpe e kentsoeng 'me u sa lefe chelete eo e fosahetseng nakong ea matsatsi a 30 ho isa ho a 60, banka e tla rekisa sekoloto seo se sa lefshoang ho mokhatlo oa boraro oa pokello, o KA tlalehang khoebo ea pokello ho Equifax, Experian, le TransUnion mme o theole lintlha tsa hau tsa FICO ka lintlha tse 50 ho isa ho tse 100.

Litataiso tse amanang¶

• Lekhetho la ak'haonte ea banka, ak'haonte ea ho hlahloba e hatselitsoeng, le tokollo ea chelete e sa lefelloeng
• Hlahloba ho hlatsuoa, ho fetoloa ha cheke ea mangolo a utsoitsoeng, le bomenemene ba cheke ea motho ea sebelisang chelete
• Khang ea ho khutlisa karete ea mokoloto, debit e sa lumelloeng ea ACH, le Regulation E
• Ho koalloa ha mekitlane nakong ea ho reka ntlo ka potlako, kalimo ea koloi kapa kopo ea folete
• Ho hloleha ha banka, liakhaonto tse hoamisitsoeng, le ho hlaphoheloa ha FDIC

Mehloli le tataiso ea semmuso¶

• Consumer Financial Protection Bureau (CFPB, United States): CFPB Circular 2022-06 (Unantipated Overdraft and Account Close Practices), Fair Credit Reporting Act Specialty Consumer Reporting Agency Rules, le Electronic Fund Transfers (Regulation E).
• Ofisi ea Molaoli oa Chelete (OCC) le Federal Reserve Board (United States): *Regulation CC (12 CFR Karolo ea 229, Expedited Fund Availability Act) Ho Tšoara Meeli le Molao oa Lekunutu la Banka SAR Melao ea Lekunutu (31 U.S.C. § 5318(g)*2)
• Metse Metse ea Letlole la Matlafatso ea Lichelete (CFE Fund): Banka Holima Maemo a Akhaonto ea Naha bakeng sa Liakhaonto tse Tiisitsoeng tsa Monyetla oa Bobeli le Liakhaonto Tse Chekehang Mahala.
• Setsi sa Bareki ba Lichelete sa Canada (FCAC): Ho fihlella Melao ea Motheo ea Litšebeletso tsa Banka (Bank Act Karolo ea 627.17).
• Bolaoli ba Boitšoaro ba Lichelete ba UK (FCA), Tšebeletso ea Ombudsman ea Lichelete (FOS), le Cifas: Melawana ea Liakhaonto tsa Tefo 2015 (Liakhaonto tsa Basic Bank) le Cifas National Fraud Database DSAR/Mekhoa ea Boipiletso.