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So, you’ve found a few banks in your area that don’t use Chexsystems. You’re ready to take the plunge and apply for a new checking account. But you still have a few questions. How will it be different from traditional banks you’ve used in the past? Will it be different at all?
Banks that don’t use Chexsystems aren’t exactly in short supply, but they may be difficult to find in your area. So, if you choose a bank to start to rebuild your banking record you might find yourself wondering where to start. If you relish the idea of making difficult or important decisions with the help of a pros and cons list, then you’ll appreciate this!
Right off the bat, banking customers with a history of indiscretions will be glad to find a bank that doesn’t use Chexsystems. But not all those banks are totally ignoring your Chexsystems report. While they may not make a decision about whether you’re allowed to hold an account based on your Chexsystems score, they are likely to run your Chexsystems report to weed out the more outrageous acts of imprudence.
Some Cons Associated with Banks That Don’t Use Chexsystems Should be Quickly Followed by a Pro!
While some cons are straight-up negatives with no way to place a positive spin on them no matter how hard we try, that isn’t true for all of the cons we’ve found about these banks. You have 5 years to wait for your Chexsystems report to be cleared of all indiscretions, so the best way to make those 5 years count is to make the most of your banking relationship.
- Con: They Can be Hard to Come By. It’s typical that banks that do not use Chexsystems are regional or online-only banks. But some bigger banks are joining the “second chance banking” game. Depending on how important a brick-and-mortar location is to you and your geographical location, you may not live near one of these banks and be forced to go totally online.
In that case, depositing cash and cashing checks would become an inconvenience. It’s something to be aware of when choosing a financial institution online so that you can ask before you open your account.
- Pro: Plenty of them Exist if You Know Where to Look. It could be argued that 100% of banks should be using Chexsystems. It’s a liability to take on a customer with blemishes in their banking history, right? But only 80% of banks are using them. That leaves plenty of opportunities for you to get your finances on track and build trust with a new bank that is taking a chance on you. At least you’ve got options.
- Con: The Accounts Often Come with Fees. If this is your first time applying for a checking account with a Chexsystems record or poor score in the system, you will want to be aware of this. You will encounter fees associated with maintaining your new checking account. These banks counter the liability of taking you on as a customer with the fact that they charge fees.
Maybe your debit card has a fee, or you have a monthly cost to keep your checking account open. The fees vary widely bank-to-bank and some are proud to offer NO FEES. So, if free checking is important to you, you’ll want to avoid banks that charge.
- Pro: You Don’t Have to Pay the Fees Forever. Depending on your bank, those fees will drop off after 6 months, a year, and in some cases 2 years of perfect conduct on your account. If your bank does charge these fees, you’ll want to ask about this timeline before you apply.
A multi-faceted Con:
Each Bank is Doing Things a Little Bit Differently Than the Others.
The most frustrating of all the cons found in banks that do not use Chexsystems may be the fact that each bank is enacting different procedures for protecting themselves from possible lack of payment or fraud. You will have to shop around to different banks to find the one that works for you.
- Fraud is Still an Issue for Many Banks. Even if your bank doesn’t use your Chexsystems score against you to stop you from opening an account, they can still run a Chexsystems report to ensure that you haven’t had fraud in your history. In that case, they will deny you then and there.
- Checking Accounts are not Available at Every Bank. Spending accounts are gaining popularity as some banks create and back companies that support people who are trying to build up their banking practices after a lapse in payment or fraud.
If checking is the most important part of banking for you because you want to eventually have a savings account and use your bank for investment advice in the future, then you’ll want to make sure your bank offers to check rather than a spending account.
- Checks May Not be Available to You. Banks that don’t use Chexsystems may run a Telecheck report on you. Telecheck reports determining if you are a risk to them if you are given the privilege of having paper checks at your disposal.
If the report doesn’t give them warm fuzzies, they can approve you for a debit card only. And many banks that don’t run Chexsystems, Early Warning Service (a service similar to Chexsystems), or Telecheck still don’t offer checks. This is a business practice that protects the bank from fraudulent check usage by its customers with a spotted banking past.
It can seem as if banks that don’t use Chexsystems are still attempting to hold you back from the fresh start you’re seeking. Having parameters placed on your accounts makes it feel like you’re not actually in control of your own hard-earned money that you willingly placed in this checking account. For more information check out the best banks that don’t use ChexSystems here: https://indebtedmom.com/banks-that-dont-use-chexsystems/
But when you look at the total picture and include the pros, keep in mind the promise of redemption that will occur after the 5-year Chexsystems record falls off. Maintain on-time payments of any overdraft fees and focus on creating an exemplary relationship with your bank. And within a few years the cons that once held you back from fully experiencing all of the services your bank could provide will be a thing of the past.
Achieving soft, beautiful and happy skin is a dream for most of us or at least a long-pending item on our wish list. While there are lot of suggestions, a laundry list of do's and don'ts to follow, there are some basics that don't change. We have to understand that happy skin is a holistic process that requires one to work on building healthy habits combined with good skincare.
Here's a ready reckoner by ITC Fiama of tried and tested skincare habits that will serve as a reminder that skincare doesn't need to be complicated, it just needs to be consistent.
* Cleanse & Moisturise -- The first and the simplest step towards healthy skin is regular cleansing and moisturising, it is advisable to use a moisturizing body soap that ensures your skin gets the right nutrients and remains supple and nourished. A great product suited to this requirement is Fiama Gel Bathing Bar, which is enriched with nature's goodness. Fiama's bathing bars come in 5 variants and they help moisturize the skin making it appear soft, happy and bouncy.
The first and the simplest step towards healthy skin is regular cleansing and moisturising. | Photo by Humphrey Muleba on Unsplash
* Balanced Diet -- Healthy skin is an outcome of a balanced diet. The food we eat provides the building blocks for healthy functioning of our bodies. Our diet has everything to do with the health of our skin. The nutrients, minerals, and proteins found in food support collagen production and healthy cell membranes, and protect skin from harmful stressors, such as UV exposure.
Healthy skin is an outcome of a balanced diet. | Photo by Sam Moqadam on Unsplash
* Smile -- While most of us hate the idea of having crow's eyes and lines while we smile. We rarely realize the benefits of a simple smile. When we smile the blood flow gets better, and the skin receives more oxygen and nutrients. This can help you develop a healthier complexion alternately it also leaves you stress free making you look happy and radiant.
When we smile the blood flow gets better, and the skin receives more oxygen and nutrients. | Photo by Lesly Juarez on Unsplash
* Drink Enough H20 -- With our bodies comprising of 70 per cent water, drinking sufficient amount of water is the easiest way to keep your skin healthy and hydrated. Drinking adequate water helps flush out toxins from our bodies, preventing pimples and acne and boosting the skin's elasticity. No wonder, water is called the elixir of life.
Drinking adequate water helps flush out toxins from our bodies, preventing pimples and acne and boosting the skin's elasticity. | Photo by Bluewater Sweden on Unsplash
* Move Your Body -- Along with cleansing and proper nutrition, another aspect which is important for happy skin is movement. When we move or burn calories, the body produces chemicals called endorphins. These endorphins interact with the receptors in the brain and trigger positive feelings and happy thoughts. This feeling of pure happiness and joy reflects on the skin, thus having the power to completely change your mood and keep you and your skin beaming. (IANS/ MBI)
When we move or burn calories, the body produces chemicals called endorphins. | Photo by Joanna Nix-Walkup on Unsplash
Keywords: Skin, soft, happy, healthy, food, move, calories, water, smile, moisturise, water, cleanse
It is true that street performances has been existing in India since ancient times. But, it was Philip Astley who brought the concept of circus in India in the 1880s. Interestingly, Astley is known as the father of modern circus.
Birth of the Great Indian Circus
In 1879, the Royal Italian Circus by Giuseppe Chiarini came to India. Before any of his shows, he would often say that India did not have a proper circus, and apparently, the country would have to wait for many years in order to develop the "circus trend".
Once, Balasahib Patwardhan, who was the king of the Kurundwad state of Sangli (today's Kolhapur) went to watch the circus. He was accompanied by Vishnupant Chatre, who was the keeper of his stable and also a riding master at the stables. As it was ritual, before starting with any performance, Chiarini used to challenge the audience by saying, "a thousand British Indian rupees and a horse would be given to anyone who would repeat his daring effects within six months". Interestingly, this time, the challenge was accepted by Chatre, and he announced that he will perform the same in Kurundwad within three months. And if he fails, he promised Chiarini that he would return "ten thousand British Indian rupees and top ten horses. On March 20, 1880, Chatre came to perform his circus at the Kurundwad Palace Grounds. But Chiarini did not come to see it.
Soon after this, Vishnupant Chatre bought most of the circus equipment from Chiarini, and within a year, he formed a new circus company called the "Great Indian Circus". This is referred to as the first circus company in India. Chatre's Great Indian Circus toured various parts of India and the world. Later on, Chatre merged his circus company with his cousin's company to launch a new company by the name of "Karlekar Grand Circus".
Other Famous Circuses of India
After the coming of Karlekar Grand Circus, many circuses came into being in India. In 1904, the Malabar Grand Circus, which was the first circus company in Kerala came into being under the leadership of Pariyali Kannan. Another circus named the Great Royal Circus was started in 1909. Though, its previous name was Madhuskar's Circus. One of the famous circuses of India was also the Grand Bombay Circus which was founded in the year 1920 by Baburao Kadam. Since a long time, tradition of circus as an art has been prevalent in India, though slight decline in its practice is evident now.
Keywords: India, Circus, Tradition, Art, Performance, Great Indian Circus, Philip Astley, Culture
By- Naman Rastogi
The first thing to understand about API security testing is that it is not a one-size-fits-all process. Testers must take into account the scope of the project, as well as the specific needs of developers and end-users. This article will provide you with some basic guidelines for an API security testing program. It will also outline some API security tests that you should consider including in your API testing process.
API security testing is a process that checks API functions for security vulnerabilities. These tests are intended to identify problems with the API's design, functionality, and implementation. API security testing is a proactive way to check the API for potential exploits.
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Tests To Include in API Security Testing
The API's parameter tampering test is a way to check any API calls that contain parameters for known attack patterns. The API security testing tool you use should provide warning alerts when it finds these types of vulnerability points.
Parameter tampering occurs because developers aren't properly securing the input data before it enters an API call from another application or web service. This gives attackers the ability to tamper with API input data. You can checkout this detailed guide on How to Perform Web Application Testing
Testing for API parameter tampering can include looking at all variables within API calls and checking whether they need to exist or not. In your tests, you'll also want to check how values are passed into API calls and whether or not they can be changed once data is passed in.
Also Read: No Halfway Deal In Security
Input fuzzing is one of the most basic kinds of testing you can perform on an API. It occurs when attackers send API inputs that contain random or unexpected values. This test will show you whether the API can handle random data or not. It should do so without impeding its performance, but rather enhancing it.
The API security testing tool you use should allow for several different types of fuzzing:
●Data Format Fuzzing: An input format can be modified to see how the API responds when an invalid value is received.
●Range Fuzzing: Some APIs only accept certain numeric ranges from authorized users, such as credit card numbers and phone numbers. You should check whether your API functions properly under this type of condition.
The first thing to understand about API security testing is that it is not a one-size-fits-all process.Getastra
●Boundary Fuzzing: This type of fuzzing should be used to check for boundaries within the API itself. For example, checking if a string is between certain character lengths, determining whether it's possible to pass in an empty parameter value that will still produce valid results, etc.
Testing for API input fuzzing can also include randomizing parameters that are always required by the API function being tested (e.g., session IDs). If these values don't need to exist, hackers will be able to bypass any checks made by the developers who have implemented strict guidelines regarding API usage.
Another API security test you should consider is to check for unhandled API functions. Unhandled API methods are those that developers didn't code into the API. This happens either because they were unaware of their necessity or simply forgot about them.
Allowing access to these functions creates a vulnerability point in your API's functionality. Unfortunately, attackers can use these vulnerabilities as attack vectors. API security testing should search for unhandled API methods and alert you to their presence.
This API security testing method will help you determine how well the API performs under different input conditions without any malicious actors trying to tamper with it.
A final API security test you should consider is to check for possible injection attacks. This type of vulnerability occurs when user-defined input data can be inserted into API calls as part of the API's scripting language.
Injecting attacks have been a long-time security threat for APIs. This is because they allow attackers to use any type of data that can be manipulated and inserted into an API call. They should ideally only allow what is provided by regular users or applications trying to access the API.
The API security testing process goes beyond just finding the presence of common API attack vectors like cross-site scripting (XSS), SQL injection, remote code execution, and much more. It also looks for other API features that can put your system at risk if they aren't properly secured with input validation defenses or strict API security features.
Though API security testing may seem daunting, it's a necessary step in securing your systems and data. As the saying goes, an ounce of prevention is worth a pound of cure! If you don't have time to do this yourself, you can always seek help from security experts. The costs are justified by the benefits. So, make sure to conduct API security testing if you haven't already!
Disclaimer: (This article is sponsored and include some commercial links)