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.
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.
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.
|Main Office||1112 N Bendix Dr South Bend, IN 46628-1929|
|CEO||Paul R Obermeyer|
|Number of Members||6,982|
|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|
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
|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|