I have a pretty nasty derogatory on my Chexsystems until 2024 and a lot of CU's use them solely based for membership. I've searched the forums but haven't came up with a solid list/idea. I do not want to get any checking account with these cu's, only credit products.
I've come to find BECU, Affinity FCU and Langley FCU all use Chexsystems.
Yes and collaborating it with Google Sheets CU Info some of the non-sensitive banks require a hard pull for membership which is a double-wammy, especially if you can't reuse the pull.
Plus the DoC website is primarily for Chexsystems inquiries. My problem isn't that, but a derogatory checking account with a 'charge off' debt.
Banks that don't pull Chex at all will hard pull credit (especially CU) or pull EWS (Chex on steroids).
DoC has a list of CU/Banks that don't pull Chex at all
Consumers credit union