Check Wise Disclosure Letter
Welcome! We understand that you are here because you either want more information about opening a checking account or you are trying to re-open an account after being placed on ChexSystems.
This agency has over 40 years of experience of helping people with financial challenges through counseling and education. This educational course will help you learn how to manage a checkbook, understand the basics of choosing a financial institution and select a checking account that meets your needs.
While taking CheckWise is educationally beneficial to you and can help improve your chances of developing a relationship with a bank or credit union, it's important to understand that completing this course does not guarantee that you will be able to open an account with a financial institution. A number of other factors can determine your eligibility for an account, including an unpaid balance or in instances of fraud. Having the proper identification can also be a factor, but the final decision will be made by the financial institution.
Consumer Credit Counseling Service of Orange County (CCCS-OC) is a member of the National Foundation for Credit Counseling (NFCC). The NFCC has high standard for quality credit counseling and financial education, and this agency compiles with those standards. In addition, this agency is accredited by the Council on Accreditation (COA), and independent third-party organization that reviews and monitors entities that provide social services. CCCS-OC is a non-profit agency, organized and operated in accordance the Section 501(c)3 of the Internal Revenue Code.
The CCCS Education Facilitator conducting this seminar has been trained in the course work provided, and while he/she has expertise in helping people overcome financial challenges, he/she cannot provide you with legal advice. This seminar is not intended to take the place of a consultation with an attorney.
In order to assist you, it is essential that you provide us with all necessary identification information. Rest assured that the identifying information you provide is kept strictly confidential. We will not disclose any such information orally or in writing to anyone, except as authorized by you in writing or as required by law, such as in response to a subpoena. We may compile data and aggregate information that you provide, but this information will not be disclosed in a manner that would personally identify you. Additionally this agency will not disclose or provide any information about your attendance to this seminar to any credit-reporting agency. CCCS-OC is committed to the privacy of the information our clients provide.
To help cover the cost of providing this seminar to you, CCCS-OC charges a fee of $35.00 per person for the online course and $50 per person for the in class course. Payments will be accepted in the form of money orders and cashier's checks at the main office only, or by debit card in the main office or on the CCCS-OC website. In limited circumstances, you may be eligible to have this fee waived.
This agency also receives funding in the form of grants form entities and individuals that support financial literacy education, state and federal governmental agencies and creditors. A significant portion of funding for CCCS-OC comes from voluntary contributions from creditors who participate in the Debt Management Program (DMP) at CCCS-OC, a voluntary program that allows clients to repay their debts. Since creditors have a financial interest in having debts repaid, most are willing to make a contribution to help fund the overall services of CCCS-OC including counseling and education programs.
By making a payment I certify that I have read and understand the disclosures made above. If you need more information about the CheckWise program offered by CCCS-OC please call customer service at 1-800-213-2227 Ext. 128.
