So I was high on my NFCU CC approval last Friday and thought, since I have my reports thawed anyways and am leaving the garden why not risk a hard pull to join a local credit union while I'm at it.
I closed my WF checking several months ago and I haven't figured out the shared branching thing yet (I tried a CO-OP ATM deposit once but it wouldn't go through). Not that I need a brick and mortar option that often since I rarely use cash these days.
Of the two big credit unions in Utah I wanted MACU over AFCU because of Zelle and eligiblity through my employer.
So I drove to the nearest MACU branch just down the street, waited about 30 minutes, and sat with a member specialist for nearly an hour.
They asked for DL, SS card, soft pulled EX, and I had to jump through a couple hoops for fraud alert on my reports. He asked who I banked with and why I wanted to open an account with them. I said I do most of my banking with NFCU but since the nearest branch is 2+ hours away I wanted something more local. He proceded to give me a rundown on all the products they offer. Their customer service was great and I was starting to get my hopes up.
Then, he says he's having trouble opening the account and had to check with his manager. He came back and said I was denied membership due to ChexSystems. I just pulled Chex report in February. 2 inquiries from Discover and 1 inquiry from Alliant all 6 months ago. It was good enough to be approved for BECU membership (reportedly Chex sensitive) at the beginning of March, who I assume added another inquiry. No other negatives on Chex that I know of. I'll be ordering a fresh report just to be sure.
In the end it's not a huge deal for me. I already have shared branching through DCU and BECU. Also, I will likely move away from Utah within the next year.
