More and more banks have started using EWS.

Recently it seems that more and more people are indicating to me that they are being denied accounts due to Early Warning Services (EWS) and not chexsystems. It is still unclear if Bank of America, BB&T Corporation, JPMorgan Chase, Wachovia, and Wells Fargo are going to stop using chexsystems all together or not. Early Warning Services is a limited liability company owned by Bank of America, BB&T Corporation, JPMorgan Chase, Wachovia, and Wells Fargo.

The one thing that does seem clear to me is that any bank or credit unions that uses EWS, will not make an exception for those that have been reported. If you have been reported to EWS and you are able to open an account at a bank or credit union that uses EWS, you can be sure that the account will close in a short time.

Banks and credit unions that have been known to let some people that were reported to chexsystems open accounts because the report was what they had considered to be "not so bad", will not make these same exceptions when it pertains to EWS. We have had some from our forum that were able to dispute with EWS and be removed.