CU's that don't use Chexsystems for membership?

[Anonymous]

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.

[AllZero]

Did you check DoC?

[Anonymous]

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@AllZero wrote:

Did you check DoC?

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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.

[Anonymous]

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

https://www.doctorofcredit.com/banks-credit-unions-dodont-pull-chexsystems/

Consumers credit union

Penfed

both hp