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I have or had one account in chexsystems from overdraft and I'm not quite sure if its on there still but does anyone know of any credit unions that dont run chexsystems or require you to have stellar credit to get approved? I already signed up for the ACA deal or whatever thats required for SDFCU but Im not sure what their standards are to qualify so i'm scared to waste an inquiry just to wind up getting denied. I already have a regular bank but im looking to get in with a credit union so i can refinance my car.