Institutions AAA Federal Credit Union

Does AAA Federal Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering AAA Federal Credit Union or already applying for its account? Find out whether AAA Federal Credit Union uses ChexSystems and offers a second chance checking or savings account.

You walk into your local bank branch and sit down with your bank representative to talk about opening a checking account. Maybe you’ve been through some financial difficulties in the past, but you are ready to get back on track. But maybe not. You may think your financials are in good shape.

You wait with bated breath through the application process, only to let it out in a sigh of disappointment.

The banking representative turns to you and says, “I’m sorry, but we can’t open an account for you right now. You were rejected by ChexSystems.”

At that point, the banker probably explained ChexSystems to you in detail. If you haven't already, you can read our in-depth guide to ChexSystems and ChexSystems removal, and why it may be having a negative impact on your financial life.

Denials like these are surprisingly common. In fact, CNN has reported that approximately 15% of bank applicants are denied regular bank accounts.

AAA Federal Credit Union

Several members of our community have reported that AAA Federal Credit Union DOES use ChexSystems but you can still qualify for an account if you don't owe any money to the bank. A second chance checking or savings account is another option to consider. Check out their financial products below and visit the official website to learn more.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to AAA Federal Credit Union in any step of the process. You can be sure that these banks won’t ever cross reference your records before deciding whether to let you open an account.

The list is suggested by our readers. Please consider the Unchex editor's curated list of banks that don't use ChexSystems for all the banking options available nationwide.

Editor's Choice


Chime is a fast-growing internet-only bank. Unlike big banks, Chime was created during the smartphone era and, therefore, features an app that is more than just a way for customers to review their bank accounts.

Features and Benefits:

  • Free Visa® debit card
  • Free online banking and mobile banking/deposits
  • No monthly account balance minimums

Why is it recommended for you?

Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.

Apply Now

The Basics

Main Office 1112 N Bendix Dr South Bend, IN 46628-1929
Deposit Insurance NCUA
Established On -
CEO Paul R Obermeyer
Headquarter Indiana
Number of Members 6,982
Community Bank -
Institution Class Federal Credit Union - Community credit unions
Institution Type Credit Union
Credit Union Programs Brokered Deposits (all deposits acquired through a third party), Deposits and Shares Meeting, Short-Term, Small Amount Loans (FCU Only), Brokered Certificates of Deposit
Low Income Designation Yes
Member of FHLB No
Total Assets $56,953,441
Asset Concentration -
Charter Number 3412
Routing Number -
Membership Eligibility

Anyone who lives, works, attends school, worships or volunteers in St. Joesph County Indiana is eligible for membership at AAA Federal Credit Union.


Services & Products

Accounts Offered -
Electronic Services Share Account Transfers, Loan Payments, View Account History, Download Account History, e-Statements, Share Draft Orders, Bill Payment, Account Balance Inquiry
Access to Electronic Services Mobile Banking, Home Banking via Internet Website, Audio Response/Phone Based, Automatic Teller Machine (ATM)
Services & Products: Credit Indirect Consumer Loans, Overdraft Lines of Credit, Real Estate Loans, Share Secured Credit Cards, Risk Based Loans, Overdraft Protection/ Courtesy Pay
Services & Products: Depository No Cost Share Drafts, Business Share Accounts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education -
Services & Products: Other No Cost Bill Payer
Services & Products: Transactional Check Cashing, No surcharge ATMs, ATM/Debit Card Program, Money orders