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Established Contributor
Badcreditguy
Posts: 623
Registered: ‎08-14-2007
0

Credit Unions

Do credit unions usually do a chexsystems check just to open up a savings account only? I went to open up a savings account today at a local CU to eventually apply for a credit card and they did a chexsystems check. Im in chexsystems but they still opened up my savings account.
Established Contributor
nicemann
Posts: 583
Registered: ‎03-12-2008
0

Re: Credit Unions

Wow didn't know they did one for a savings account.  I had a chexsystems issue about 3 years ago and had major problems opening up a checking account.  I did a lot of research on google and found banks they do not use their system.  I joined Compass bank with no problems because they did not run that check.
 
Glad to have that finally off and I could get with with BoA for the last year.
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Established Contributor
orl2185
Posts: 778
Registered: ‎03-07-2007
0

Re: Credit Unions

BCG, I have both navy and justice fcu neither pull chexsystem.

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Established Contributor
Badcreditguy
Posts: 623
Registered: ‎08-14-2007
0

Re: Credit Unions

Is JFCU a good CU?
Moderator Emeritus
Timothy
Posts: 9,252
Registered: ‎03-19-2007
0

Re: Credit Unions

Ahhhhhhhh Compass -
The WORST bank ever- 

nicemann wrote:
Wow didn't know they did one for a savings account.  I had a chexsystems issue about 3 years ago and had major problems opening up a checking account.  I did a lot of research on google and found banks they do not use their system.  I joined Compass bank with no problems because they did not run that check.
 
Glad to have that finally off and I could get with with BoA for the last year.



Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Credit Unions

CCCU runs Chexsystems I hear.
Established Contributor
nicemann
Posts: 583
Registered: ‎03-12-2008
0

Re: Credit Unions



Timothy wrote:
Ahhhhhhhh Compass -
The WORST bank ever- 

nicemann wrote:
Wow didn't know they did one for a savings account.  I had a chexsystems issue about 3 years ago and had major problems opening up a checking account.  I did a lot of research on google and found banks they do not use their system.  I joined Compass bank with no problems because they did not run that check.
 
Glad to have that finally off and I could get with with BoA for the last year.






I agree they weren't the best bank out there but I was able to use them for a couple of years till I got past my problem wih Chexsystems.  All of the CUs used Chexsystems in my area.  I tried several of them.  Once I got the chance I ran over to BoA.
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Regular Contributor
jamesb40517
Posts: 119
Registered: ‎02-28-2008
0

Re: Credit Unions

I would recommend Navy Federal Credit Union (NFCU) or Justice Federal Credit Union (JFCU).  I think that you would be pleased with bother.  Neither of those use Chexsystems.  However they do pull an EQUIFAX credit report to open the checking/savings account.  After getting in their credit card programs are awesome!  I think that you would be pleased with both.  Maybe you should joing both.....hehehe.....If I can help you out just ask.
Established Contributor
Badcreditguy
Posts: 623
Registered: ‎08-14-2007
0

Re: Credit Unions

I wasnt in the Navy so that rules me out for the NFCU :smileysad:
Established Contributor
FaircreditguyFL
Posts: 665
Registered: ‎03-31-2007
0

Re: Credit Unions

I have a JFCU and NFCU checking account,and I have not a problem with either.

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