Due to unforeseen circumstances several months ago, I overdrew my bank account by $800. Subsequently, my account was closed but Wamu has kept open my savings account. I recently received my tax refund and was able to pay off the balance owed. I also have the dreaded black mark on my banking record: Chexsystems! Despite going round and round with Washington Mutual's risk operations department, they won't update your file to say you paid your account in full. I can 'reapply for a new account' with them, but we all know I'll be struck down because of my past financial indiscretions. Anyway, I paid directly through a teller, not a collections agency. Now, I'm stuck with a savings account, but want a checking account as well. I can only withdraw/deposit money by going into a bank and not through use of a debit card. I know about 90% of banks use chexsystems. Is there anyway around it? Or do I have to grin and bare it for five years? While I take full responsbility for my actions, chexsystems is too harsh. I live in NYC, so if any one here knows of non-chexsystems banks, I'd appreciate any information as well.