State Department FCU

[1GaDawg85]

deny for a share savings account...what kinda crap is that!

[Anonymous]

The only thing I can think of is that you are not a member of one of the organizations required to join, or they couldn't verify it for whatever reason.

https://www.sdfcu.org/join

Its a pretty wide, but specific list. As active duty military, I don't even qualify to join.

Did you put ACC on your application if you didn't qualify through one of the approved organizations? I think you have to give to a charity.

You may join SDFCU if you are an employee of The Department of State or one of the following organizations. Additionally, as a consumer, you may be eligible to join our credit union through the American Consumer Council (ACC), a nonprofit advocacy group. When opening your SDFCU account you will need to choose ACC on your application.

[CreditDunce]

You can join (or at least you used to) the ACC for free.   I believe they SP your EX CR and check ChexSys.  If your ChexSys report is not clean I could see that as a reason to deny you membership.  Did they give a reason why they denied?

[Anomalous]

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@CreditDunce wrote:

You can join (or at least you used to) the ACC for free.   I believe they SP your EX CR and check ChexSys.  If your ChexSys report is not clean I could see that as a reason to deny you membership.  Did they give a reason why they denied?

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+1

[1GaDawg85]

Chexsystem is clean....never had an issue before. But called in and did another application over the phone was approved.

[Anonymous]

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@1GaDawg85 wrote:

Chexsystem is clean....never had an issue before. But called in and did another application over the phone was approved.

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Congrats!

Did they happen to mention what your application may have gotten hung on last time?

[1GaDawg85]

Thought it was approved but not so much...."couldn't verify identity" probably should have paid to join ACC then app for membership