Most credit union's make you become a member and deposit a small amount in a checking and or savings account. Most have requirements by employer, geographic location, group membership or family membership relations. You can join if you meet the requirements which should be available on there web page. Many have a simple form that just ask monthly income, and the normal address, phone, email, ssn, etc. However banks and credit unions can and often ask for verification of income. Each institution has internal rules for what they will except as proof of income and ability to pay. Even if you succeed at opening an account and getting a card, at any time they can request more documentation and close your account if not provided.
