Here is the company line you will see on nearly every site that offers you help with ChexSystems:
"The Chex Systems, Inc network is comprised of member Financial Institutions that regularly contribute information on mishandled checking and savings accounts to a central location. ChexSystemsSM shares this information among member institutions to help them assess the risk of opening new accounts. ChexSystemsSM only shares information with the member institutions and does not decide on new account openings."
What they are saying is that once your bank has reported you to ChexSystems you will find it a challenge to locate a bank that does not subscribe to the system and will allow you to open an account. However, there are some banks and many credit unions that do not subscribe to ChexSystems.
There quite a few sites that offer solutions for removing your name from ChexSystems once your financial institution has reported you. But their solutions only work provided your situation meets conditions which do not apply when your bank has followed its policy, compliance, and internal control regulations - and you have not kept up your end of the account holder contract you signed when you opened your account.
What does that mean?
When you open an account of any kind, you agree to abide by the Terms & Conditions of the account. To a bank account holder , this means that you are 100% responsible for any drafts deposited into your account by you or anyone else; for any drafts you bring into the bank to cash because you are an account holder at that bank; and for any currency deposited into your account by you or anyone else.
That's a big responsibility! It means that you are vouching for everything deposited into your account. It means it is your responsibility, not the bank's, to make very certain that drafts are valid before you deposit them and that funds that are transferred into your account are have not been stolen from someone's account. Learn about how to protect your account in Your Check/Money Order & Account Holder Responsibility and Liability.
Back to ChexSystems reports - if you have been reported to ChexSystems because you deposited one or more counterfeit drafts into your account there is nothing you can do to have your name removed until the debt to your bank in repaid in full. (See more below)
By the same token, if your bank did not follow its own procedures, internal controls, compliance, policy, and risk management rules there may be room for dispute which, when resolved, should result in the removal of your account from ChexSystems it will be up to you to do the follow up.
Here is a link to an excellent site, Consumer Debt Resource, where you can find more information on ChexSystems: https://www.consumerdebit.com/consumerinfo/us/en/index.htm