As I read this it seems to me that the problem here is Chexsystems, which, unless matters have greatly changed, is, as you say, "all automated." Once your name is submitted you cannot get it removed and if your name is in there you cannot get a bank account, period. Not even a savings account...

Been there
Dana

>The Target of Eternity with me now is Astoria Federal Savings Bank. I've
>detailed why on the front of HoF. Total shmucks.
>
>Boycott Astoria Federal Savings Bank
>My name is Michael Dinowitz. I'm a respected leader in the ColdFusion
>community, a religious Jew and a decent human being. If my name or any of my
>attributes hold any sway with you then I implore you to boycott Astoria
>Federal Savings Bank. They are not friendly to small businesses or the
>people who run them.
>Why am I so upset? Because they charged me $30 dollars for a bounced
>withdrawal of $5 dollars. Not only did they do that but they did it 4 times.
>A normal bank might forgo 3 of the charges. A great bank might forgo all of
>the charges. What did Astoria do? They charged me, removed my account and
>then added my name to the ChexSystem. This means that my credit rating is
>basically shot for the next 7 years and why? Because of $120 dollars of
>fines they assigned.
>I'm not happy and anyone who runs a small business should feel the same way.
>If it happens to me, it can happen to you. Don't use this bank as they WILL
>treat you as less than human and take your money.
>http://www.houseoffusion.com
>
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