ChexSystems Killing Me

ItsThatEasy · ‎12-19-2024

Any Credit Unions out there that have open membership that don't pull ChexSystems for online apps? Looking for good CUs but everyone seems to pull Chex. I was able to find two that don't but that was through numerous apps.

IcyCool7227 · ‎12-20-2024

Not sure why u posted this in Approvals and not Personal Finance but according to a website:

Credit unions with no ChexSystems

Six credit unions that don’t use ChexSystems are:

As of: 1/10/25:
EQ: 798 (prev. 794 on 12/19/24; prev. 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 769 (prev. 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 768 (prev. 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Old TU - Credit Karma: 806 (prev. 782 on 12/19/24; prev. 759 on 7/1/24; 748 on 2/6/24; 744 on 1/26/24; 689 on 1/7/24 ; 654 in April 2023) - CreditKarma

Have:
- Amazon Prime Store Card: $10,000
- Capital One SavorOne Cash Rewards: $3,300
- Chase Freedom Flex: $1,000
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,600
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

ItsThatEasy · ‎12-20-2024

Because these applications were CREDIT CARD applications at CUs. In order to accept the credit card for most CUs to my knowledge you need to be a member. Entire app at that point is declined due to Chex inquiries. Thanks for the feedback.

FicoMike0 · ‎12-20-2024

You don't say what your problem with Chex is. Just being lol/12 on inquiries is different from real baddies. Are you good with ews?

Anyway, here's a list,

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

ItsThatEasy · ‎12-20-2024

No derogs on Chex no bad checks, negative accounts nothing just too many inquiries all this year so what's that 12/12 sheesh😩I've been using doctorofcredit but the list is a little outdated as a lot of those that didn't once pull Chex now do as well as not many of the CUs are in my area or open memebership. Pelican State doesn't pull I was fortunate to find them don't remember how I found them. But yeah they aren't listed on doctor of credit so not sure.

TU 709

EQ 738

Experian 729

No Baddies Just Chex Inquiries

ItsThatEasy · ‎12-20-2024

I assume my EWS is fine because I was able to get in Chase no problem and I know that's what they use (well co-own). Haven't actually pulled my EWS tho to see.

ElvisCaprice · ‎12-20-2024

I just move on to the next new SUB checking account if denied. No big deal, next. There are plenty who will pay, lol.

As far as CHEX, nothing a little time gardening, won''t cure.

BofA Platinum Honors:

Citi:

Custom Cash 5% (Drugstores or pick of the month)

U.S. Bank:

Cash+; 5% (Cable, plus category of choice)

Current Churn For SUB:

Backup Socks:

CB Debit Cards:

Affinity Cash Back Debit 1% (max $10 p/m)

Affinity Cash Back Plus 10% (max $15 p/m)

AndySoCal · ‎12-20-2024

@ItsThatEasy Langley FCU does not pull Chex. An Equifax soft pull for membership and a hard pull for the credit card. Also Fortera FCU does not pull Chex either

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC bankcard 803 11/2024 EFX Bankcard v8 822 EFX FIC0 v8 805 (11/2024 Vantage score 4.0 817 via JC Penney )
Discover IT 09/90, 19000, JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Bank: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Redstone FCU Hughes FCU, LangleyFCU
My personal blacklist Axos Bank of America Synchronny Bank Capital One TD Bank Comerica Bank

OCONUS · ‎12-20-2024

SigFCU pulls Chexs but they are not sensitive to inq if there is no deragatory reporting. I just joined them with 14 in the last 60 days.

Affinity Cash Rewards Visa Signature Card | $10,000

ItsThatEasy · ‎12-20-2024

Going to try them both out for sure. I've looked at both never applied. Appreciate that