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Best Credit Unions That Don't Use ChexSystems (Updated List)

ChexSystems are used by most credit unions to screen applicants. Find out the best credit unions that don't use ChexSystems.
credit unions that don't use chexsystems

Looking for the best credit unions that don't use ChexSystems to approve applicants? Whether you live in New York, California or any U.S. state, having ideas on such credit unions may be of help if you don't want your application to be screen by ChexSystems.

If you've been once denied a checking or saving account by a bank due to rocky banking history, then you should certainly have an idea on what ChexSystems should be. Under the Fair Credit Reporting Act (FCRA), the consumer reporting agency keeps track of any banking concerns you've had over the years.

Account overdrafts, bounced checks, and fraudulent activity action may appear on your ChexSystems report if you've had a bad credit score before due to rocky banking. Many of these items will last for five years or longer on your report.

Most banks and credit unions will utilize your ChexSystems report to approve or deny your request when you apply for a new account. Fortunately, a growing number of banks and credit unions are no longer considering the ChexSystems report.

That said, in this article, we have compiled the best credit unions that don't use ChexSystems to approve application. Some of these credit unions have branches in all U.S. states which is ideal for all residents of the United States.

Table of Contents

5 Credit Unions That Don't Use ChexSystems

It can be time consuming and some times difficult to try to improve your ChexSystems report, and it isn't always essential. If you want to open a credit union account, however, there are five good options that don't use ChexSystems.

Here are some credit unions that don't use ChexSystems to approve applicants.

1. America First Credit Union

America First Credit Union is our top pick and is one of the only credit unions that don't use ChexSystems.

Members of America First Credit Union can open free checking and savings accounts. Members typically live in western states such as Utah, Arizona, Nevada, and Idaho, and the credit union is situated in Utah.

Although there are few branch locations, America First Credit Union does have a nationwide ATM network. The credit union also offers a variety of savings options with competitive interest rates compared to many banks.

Also Read: Best Online Checking Accounts No ChexSystems No Opening Deposit

2. Navy Federal Credit Union

Navy Federal Credit Union is a good choice if you or a family member is a member of the military. Checking accounts, savings accounts, certificates of deposit (CDs), money market accounts, and more are available through the nationwide credit union.

You'll have access to over 300 branch locations across the country, as well as large number of free ATMs, as a member. Navy Federal Credit Union has also been awarded for providing exceptional customer service to its members.

Navy Federal also offers a large range of loan options with low interest rates. However, before you begin, you must first determine whether you are eligible to join.

Also Read: Best Banks Offering Second Chance Checking No Opening Deposit

3. Southwest Financial Federal Credit Union

Southwest Financial Federal Credit Union is based in Dallas, and because of their 100% virtual services, members can join from anywhere. To access your accounts, transfer money, and pay bills, you must log into your eBrand account.

You may also deposit checks, receive account alerts, and access your bank statements via the mobile app without ever leaving your house. The credit union also offers a variety of services, such as checking, savings, and retirement accounts, as well as lending options.

Southwest Financial also has you covered if you ever need to use an ATM. Members can use any of the 55,000 Allpoint ATMs situated throughout the world.

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Also Read: Best Banks Offering Second Chance Checking No Opening Deposit

4. Aspire Federal Credit Union

Aspire Federal Credit Union is yet another great option for you if you are looking for a No ChexSystems credit union for extra savings.

Being a member of Aspire Federal Credit Union comes with a slew of advantages. You'll have access to over 70,000 ATMs around the country, as well as mobile banking tools and 24-hour customer service.

In addition, Aspire has partnered with a number of businesses to offer discounts to its members. Members can save money on Sprint, TurboTax, SimpliSafe, and other brands.

Also Read: 10 Free Online Checking Accounts No Opening Deposit No Credit Check

5. State Department Federal Credit Union

State Department Federal Credit Union is great credit union that doesn't uses ChexSystems to screen applications. This credit union is a great choice for affiliated members of the Department of State.

They now have over 80,000 members all across the world.

SDFCU provides free checking, savings, and youth accounts, as well as a variety of loan options. SDFCU also offers low interest rates, making it a good choice for anyone who meets the membership requirements.

To begin, you must first determine your eligibility. To open an account, you'll need to enter your address, Social Security number, and driver's license if you fulfill the eligibility requirements.

Also Read: How to Open a Bank Account in Europe Online From Abroad

Credit Unions That Don't Use ChexSystems In California

  • American United Federal Credit Union
  • California Community Credit Union
  • Corporate America Family Credit Union
  • Excite Credit Union
  • Federal Employees West Federal Credit Union
  • Foothill Credit Union

List of Banks That Don't Use ChexSystems

Here are some banks that don't use ChexSystems:

  • Chime Checking
  • Acorns Checking
  • Douugh Checking
  • Nearside Checking
  • Varo Bank Checking

Also Read: 10 Best Online Bank Account With Instant Virtual Debit Cards

What is a Credit Union?

A credit union is a member-owned financial cooperative that is managed by its members and run on a not-for-profit basis, comparable to a commercial bank.

Credit unions are financial institutions similar to banks, with the exception that the credit union is owned by its members. They are non-profit organizations dedicated to serving their members rather than making a profit. Because of this, credit unions frequently provide greater savings rates, cheaper loan rates, and fewer fees.

To join a credit union, however, you must meet specific criteria.

Also Read: Online Bank Account With Instant Virtual Debit Cards

What are the Differences Between Credit Union and Bank?

Credit Unions and banks offer some similar services but differ on some aspects. Here are some differences between credit unions and banks:

Banks Credit Unions
For-profit institutions that may be privately owned or publicly traded Nonprofit institutions owned by members
No membership required Membership required
Generally lower savings rates and higher fees Often higher savings rates and lower fees
May be national or local May be national or local
Typically offer many, varied financial products May be more limited in the financial products offered
FDIC provides deposit insurance NCUA provides deposit insurance

Frequently Asked Questions

What is the most trusted credit union?

Alliant Credit Union, Consumers Credit Union, Navy Federal Credit Union, Connexus Credit Union, First Tech Federal Credit Union, are some of the most trusted credit unions.

What is the easiest credit union to get approved for?

Some easiest credit unions to get approved for include; Affinity Plus Federal Credit Union, Alliant Credit Union, Bethpage Federal Credit Union, Blue Federal Credit Union, Connexus Credit Union, Consumers Credit Union, and Hope Credit Union Savings Account.

Do credit unions require a good credit score?

While most credit unions in the United States require an excellent credit score, some, on the other hand, accept applicants with bad credit.

Final Thoughts on Credit Unions That Don't Use ChexSystems

If you've been denied a checking or savings account because of a bad ChexSystems report, you still have alternatives to go in for out there — some of which are "No ChexSystems banks and credit unions". Credit Unions though offer more saving advantages over banks.  All of the credit unions in this post will open an account for you without checking your ChexSystems report.

This will make it easy for you to pay your expenses and get on with your regular banking routine. Meanwhile, by practicing excellent banking practices, you can try to improve your ChexSystems report and apply later for a convenient checking account with any bank.

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