topic Re: Chase Checking Denied in Personal Finance

Chase Checking Denied - UPDATE: Approved in branch

jacetx — Tue, 24 Jan 2017 14:55:57 GMT

Applied for a checking account at Chase to take advantage of the $300 bonus and to my suprise I was denied. They cited Experian being the reason for the denial. I checked my Experian report and there is nothing negative. They just approved me for the Chase Amazon Visa yet declined for a checking account.

Re: Chase Checking Denied

Anonymous — Mon, 23 Jan 2017 02:28:00 GMT

@jacetx wrote:
Applied for a checking account at Chase to take advantage of the $300 bonus and to my suprise I was denied. They cited Experian being the reason for the denial. I checked my Experian report and there is nothing negative. They just approved me for the Chase Amazon Visa yet declined for a checking account.

This is the first I heard Banks HP for opening a checking account.

Been had Chase Checking for the past 8yrs.

Re: Chase Checking Denied

Anonymous — Mon, 23 Jan 2017 02:41:35 GMT

Was it actually a HP?

Re: Chase Checking Denied

jacetx — Mon, 23 Jan 2017 03:14:50 GMT

It was not a HP, it was a SP. But I was given a letter instantly citing Experian.

Re: Chase Checking Denied

Creditplz — Mon, 23 Jan 2017 05:26:18 GMT

Anything bad on Chex?? They gave me mine when I was 15

Re: Chase Checking Denied

jacetx — Mon, 23 Jan 2017 12:07:06 GMT

Chex is clean, nothing negative. Like I mentioned before they stated that the reason was my experian report. No mention of Chex.

Re: Chase Checking Denied

jacetx — Mon, 23 Jan 2017 19:27:41 GMT

Well, stopped by a branch and I was able to open the account with no issues at all. I even got the letter confirming the $300 bonus.

Re: Chase Checking Denied

DeeBee78 — Tue, 24 Jan 2017 01:10:22 GMT

Almost two years ago, I had the exact same thing happen to me. At least you got the in-branch approval!

I was approved for my Freedom in April of 2015. I bought a Chase $300 voucher on eBay for $7, and drove 90 miles to the nearest branch to apply.

Once I was there, I tried to open a checking account, and was also denied based on something in my Experian report. No HP, no reconsideration. My EX has a collection on it, but I don't know why they would deny checking based on that. My Chexsystems was clean, with zero entries (I had been with Wells Fargo for 7 years at that point).

I haven't bothered to try again, because for the most part BoA has been pretty good to me for my local checking needs. I just got nickel and dimed for a replacement fee on my debit card, but I think I can get that back from them.

Re: Chase Checking Denied

SouthJamaica — Wed, 25 Jan 2017 02:28:20 GMT

@jacetx wrote:
Well, stopped by a branch and I was able to open the account with no issues at all. I even got the letter confirming the $300 bonus.

Glad to hear it.

Good thing you stopped by