Barriers to Banking

ChexSystems Reports

If you have been denied an account from a bank or credit union, and ChexSystems was used in the decision process, this information will help you understand what may have contributed to that decision.

Chex Systems, Inc. provides account verification services to its financial institution members to aid them in identifying account applicants who may have a history of account mishandling (for example, people whose accounts were overdrawn and then closed by them or their bank). Each report submitted to ChexSystems remains on file for five years. You can order a report to learn what information, if any, is listed in your consumer file at ChexSystems.  Learn more> 

Consider contacting a financial counselor to review your ChexSystems report with you.

Financial Education Providers offer one-on-one financial education, free classes and workshops to help you learn about managing your finances.  You can find a schedule of upcoming classes and workshops being offered on the Financial Education Calendar.

Financial Counseling

  • American Financial Solutions
    Learn more>
  • United Way Benefits Hub
    Online scheduling for appointments at 5 convenient locations.  Schedule an appointment here>
    If you can’t find available times call 206-461-4536 or email benefitshub@uwkc.org.  Learn more>
  • Clearpoint Credit Counseling Solutions
    Learn more>
  • El Centro de la Raza
    Call 206-957-4634 or email receptionist@elcentrodelaraza.org
    Learn more>
  • Hopelink Financial Capability Program
    FinancialEd@hope-link.org
    425-250-3003
  • NW Access Fund – Financial Coaching for Individuals with Disabilities
    Call 206-328-5116
    Learn more>
  • Solid Ground – Financial Fitness Boot Camp
    Learn more>
  • Sound Outreach 
    Learn more>
  • YWCA Economic Resilience Initiative
    Learn more>
  • AFCPE (Association for Counseling and Planning Education)
    Find an AFC (Accredited Financial Counselor) in Washington here>
  • CFPB Tele-Coaching.  FREE professional financial tele-coaching is an initiative of the Consumer Financial Protection Bureau (CFPB) which is managed through a contract with the Armed Forces Services Corporation (AFSC). Financial coaching sessions are now available via phone as well as in-person.  To talk to a coach, call 1-844-90-GOALS.  Learn more>
  • Consumer Financial Protection Bureau: Get a Handle on Debt Boot Camp
    The 21-day course Get a Handle on Debt Boot Camp  begins next month. It’s designed to help you and/or your clients set financial goals, handle money emergencies, cut down on stress from mounting bills, and build your finances to where you want them to be.You can expect to receive two to three emails every week with tools and activities that will help you work on your debt.

Financial Counseling for Veterans

Charles H. Woods Jr., CFPB Financial Coach
WorkSource Affiliate North Seattle
9600 College Way N., Seattle, WA 98103
cwoods@afsc.com or  cwoods@esd.wa.gov
Office:  206.934.6142 / Cell:  425.269.6444

Chris Lilley, CFPB Financial Coach
RP/6
9881 Bridgeport Way SW, Lakewood WA 98499
clilley@afsc.com
Office: 253-777-0556 / Cell: 253-341-8134

Ask the Consumer Financial Protection Bureau – Information for service members.  Learn more>

HelpWithMyBank.gov

Answers about Identification
The Office of the Comptroller of the Currency provides answers and solutions for questions about identification methods used by banks, use of social security numbers, and fingerprints.  Learn more>