Just apped to AOD membership

[Anonymous]

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@Anonymous wrote:

What are requirements for AODFCU membership? Do they run ChexSystems or just a soft credit pull? 

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Yes they do use Chex.  I opened them up this past spring after opening at least 5-7 other CU accounts.   I can't remember a credit pull or not.  

[jcooks]

They did do a HP on EQ for the membership.  It's still currently under review.  I'm not sure about chex systems, but just last week I opened up a Charles Schwab High Yield Investors checking account.  I hope that doesn't affect it.  Any way to pull up a report on Chex systems?

[babygirl1256]

Congrats on your AOD membership . . . I believe you should be able the select your choice card.

[jcooks]

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@babygirl1256 wrote:

Congrats on your AOD membership . . . I believe you should be able the select your choice card.

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I didn't quite get approved for membership.  Still waiting on approval for that, then onward to applying for the card.  

[coldfusion]

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@jcooks wrote:

They did do a HP on EQ for the membership.  It's still currently under review.  I'm not sure about chex systems, but just last week I opened up a Charles Schwab High Yield Investors checking account.  I hope that doesn't affect it.  Any way to pull up a report on Chex systems?

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You can request a copy online but they have to mail you a printout, you can't view or access it online.  There is no way to display it in a browser, download a pdf, or similar type of access.  Takes about a week or so to get it. 

If you've only opened a couple of accounts in the last year and don't have negative entries you shouldn't have a problem. 

[Anonymous]

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@coldfusion wrote:

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@jcooks wrote:

They did do a HP on EQ for the membership.  It's still currently under review.  I'm not sure about chex systems, but just last week I opened up a Charles Schwab High Yield Investors checking account.  I hope that doesn't affect it.  Any way to pull up a report on Chex systems?

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You can request a copy online but they have to mail you a printout, you can't view or access it online.  There is no way to display it in a browser, download a pdf, or similar type of access.  Takes about a week or so to get it. 

If you've only opened a couple of accounts in the last year and don't have negative entries you shouldn't have a problem. 

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I checked my Chex a few months back and it was all online. 

https://www.chexsystems.com/web/chexsystems/consumerdebit/page/requestreports/consumerdisclosure/

[GrandBay]

@Anonymous  I am new to AOD.... should I put them on the list once I get out the garden? 

[GrandBay]

@Anonymous  I was able to check mine online a few weeks back. there was an annoying captcha tho

@coldfusion @jcooks 

[Anonymous]

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@GrandBay wrote:

@Anonymous  I am new to AOD.... should I put them on the list once I get out the garden? 

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I would but only if you don't have alot of unused credit like I do.  I have probably about 190k of available credit tons of credit cards and from what the lady who processed my checking application AOD doesn't like to see that.  I didn't know that until after I joined them.  I wanted to get their credit card as everyone on here talks about it.   I didn't apply because again the lady who did my checking account basically told me I would probably get denied regardless of my credit score.  So if you don't have alot of available credit I would say go for it.  

[Anonymous]

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@GrandBay wrote:

@Anonymous  I am new to AOD.... should I put them on the list once I get out the garden? 

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They have a 3% cash back on all purchases card with the cash back automatically applied each month as a statement credit. Unknown how long it will last but it's been here since last April and it's still alive so maybe they have enough people carrying balances (it's got an APR as low as 7.49% and it's fixed) to make it worth it. On the other hand maybe they'll stop offering it next month or nerf the cash back. I'm enjoying mine while it lasts but I kept all my other 3% cards just in case.