Does US Bank use chexsystems?

Yes they do. US Bank has always used chexsystems but several years ago I had found that they were approving those reported to chexsystems in certain cases. At first it did not make much sense and the sitaution was confusing. Over time, I was able to conclude that certain US Bank branches were willing to make exceptions when others branches were not. This of course opened a big window for some that were unable to find local accounts where they lived. Unfortunately, not everyone that applies at these branches are approved. After talking to an enormous amount of people about their situations, we were able to determine the following:

1. If you have fraud indicated on your chexsystems report, you will be denied.
2. If you ever owed US Bank money, you will be denied.
3. If your report is more than 3 years old, generally it seems that they do not see the report at all and you will be approved.

On my forum, we do have a list of the branches that have approved people at US Bank all over the country. Just going to any branch will not help and can even prevent you from getting an account at a bank that may have approved you if you had not been denied. Many people will apply for account after account just to be denied when they first find out that they are reported to chexsystems. These show as inquiries on your report. Too many inquiries can prevent you from getting an account. Chexsystems can flag an account as " suspicious" when too many accounts are trying to be opened. This can actually cause you to be denied an account that may have helped you otherwise. Some people not knowing this will ruin their only chances of opening a new account this way. Even some banks that offer second chance checking accounts will sometimes deny a person for this very reason. It is always best to find out which banks and credit unions will approve you or the ones that you have the best chances at before applying.

Inquiries Not Initiated By Consumer Action refers to inquiries resulting from transactions you may not have initiated, so you may not recognize the source. Members with permissible purposes include current creditors, pre-approval creditors, and potential investors trying to assess risks. They report these requests only to you as a record of activities, and they do not include any of these requests on credit reports to others.

Inquiries Initiated By Consumer Action refers to inquiries resulting from a transaction initiated by you. These include applying for a credit card or completing an application at a financial institution. Please note that the inquiries are part of your credit history and may be included in our reports to others. These inquiries can be viewed for ninety days up to three years.