Credit union recommendations

[Snook_on_the_Line]

So apparently Penfed doesn't want my business.    
I tried to set up an online checking account with them and they never got back to me.    

uploaded my id and ss and got an email that they would send a funding link in three to five business days 

it's been over ten 

sent a follow up email on Monday morning 

no reply.  🤔

Started a new application Wednesday morning.   Uploaded Docs and got the same three to five day email. 

if they don't get back to me this time I'm going to need to find a different cu that offers decent credit cards and savings rates.  

I kinda had my heart set on Penfed because I was considering setting up an SSL with them.  

anyone have any recommendations 

I don't have a qualifing military affiliation for NFCU

and I'm located in south Florida. 

[Horseshoez]

NFCU?

[Snook_on_the_Line]

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@Horseshoez wrote:

NFCU?

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I'm trying to talk my mother into joining because she's eligible. Her grandmother is burried in Arlington in place of her grandfather, who was lost at sea during WW1.    And. . .
Because she's living with me, that would make me eligible.   

[keekers]

I really think it would be worth the effort to get into NFCU; I've been a member of several CUs in my lifetime and it's by far the best in my experience.

[Horseshoez]

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@Snook_on_the_Line wrote:

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@Horseshoez wrote:

NFCU?

---

I'm trying to talk my mother into joining because she's eligible. Her grandmother is burried in Arlington in place of her grandfather, who was lost at sea during WW1.    And. . .
Because she's living with me, that would make me eligible.   

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Good luck, keep us posted.

[kalli007]

@Snook_on_the_Line  Have you called PenFed back? That is pretty strange. I mentioned NFCU in another thread, I see you are working that. Are you in with Alliant FCU? Affinity Federal CU out of NJ is another one I've seen recommended here, you can make a one time $5 donation to the charitable organization they have listed as a way to become eligible. 

[Snook_on_the_Line]

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@kalli007 wrote:

@Snook_on_the_Line  Have you called PenFed back? That is pretty strange. I mentioned NFCU in another thread, I see you are working that. Are you in with Alliant FCU? Affinity Federal CU out of NJ is another one I've seen recommended here, you can make a one time $5 donation to the charitable organization they have listed as a way to become eligible. 

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Just signed up for a savings acc at 4% apy for balances up to $10k with Affinity.    

uploaded my drivers license, linked my Wells Fargo checking account thru plaid   
the whole thing.       
waiting to hear back if it was approved or not.    

will keep trying with Penfed tho.      I'll post here with any updates.   

if affinity doesn't approve my new account it would lead me to believe Chex is the culprit 

how long does neg info stay on Chex?

I didn't even think about Chex until now because I haven't had an overdraft or nsf in 15+ years.      haven't opened or applied for a new deposit account since July of 21 either. 

***edit***
just tried to pull my ChexSystems report from their website.    Jumped thru the id verification hoops and after five minutes of the spinning circle ⭕️ loading screen 

I got the message saying that my report could not be delivered online and will be mailed to the address on file.  So we'll see what it has to say in a week or so. 

[CorpCrMgr1]

If you are a The University of Michigan alumni the the UMCU is a great CU with a lot of perks.

[Snook_on_the_Line]

application denied.      
something is wrong here.      
penfed sp'd my ex when I applied for their savings account    752 at the time

Ficos Today just before I apped for the affinity savings acc we're 766eq 758ex 752tu.   

the only thing I could think of other than Chex is that I have  CC account on my reports that is listed as a 5 dollar balance of a 550 cl and it has a footnote that says this balance is in dispute with the creditor under the FCBA.      The dispute is closed.   The charge was deemed fraudulent. New card was sent.  I've activated it.       But I checked my reports today and it still says FCBA dispute

had I known it was going to be a headache I woulda just asked for a new card with a new number and just paid the 22 dollar charge

[Snook_on_the_Line]

Well, this sucks.      All apps are gonna have to be put on hold until I can get to the bottom of this.    
I was planning on apping for the Wells Fargo active cash card after I see my next sp for account review on my ex report

i figured they'd see my shiny new score and clean report and be like,  

ohh Snook_on_the_Line, your credit so sexy.   
let's give you a card.  

but now it seems like I'm back where I started before my rebuild.    At the point where banks won't take my cash.   

hopefully they send an AA letter explaining why I was denied so I can do something about it.