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@SouthJamaica I joined last month with a savings then applied for the VS, then the membership back and forth, VS approved 20k SL then the PLOC 5k a few days later...saw the free checking and relationship points and added a checking acct last.
Note - I asked for 15k PLOC one counter reason was "escalating debt".
Very friendly loan department..I think my score was 680 or so when I applied.
I have been a member for almost two years checking/savings direct deposit. That EQ5 670-680is accurate. They won't budge for credit cards, at all. My EQ5 644 is low and I have a secured card with them and they still denied me for an unsecured card.