Has anyone ever dealt with this? I requested my report and have absolutely no clue what could possibly be on that report...but I'll find out soon enough. Does anyone know of any banks in CA or anywhere else that will overlook a negative Chex System report?Anyone have any suggestions at all????Can a relative open an account and put you on as a user. After a year or so you should be able to drop them off the account. I did this for a former roomate and my DH...both who had checkbouncing problems and owed banks money. Try a small bank or credit union....they can be more flexable. Also if you have direct deposit it might help.Finally have you tried a internet bank or one you can set up online. They might use a national database instead of the CA one which might be better.