Does Advantage One Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering Advantage One Credit Union or already applying for its account? Find out whether Advantage One 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.

Advantage One Credit Union

Several members of our community have reported that Advantage One 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.


Method of Verification ID
Notes -
Official Response (Email or Phone)

First we have to have you become a member with the credit union and fill out membership cards and put $5.00 in a savings account.

For a checking No we don't. We require an application and a signed authorization to query your last financial institution.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Advantage One 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

CIT Bank

The CIT Bank Savings Connect account is the best among banks that don’t use ChexSystems. Unlike many other non-ChexSystems accounts, the CIT Bank Savings Connect is also a high-yield savings account that can help grow your savings much faster than most other banks can.

Features and Benefits:

  • Interest-bearing
  • Minimum balance requirement: $0
  • Monthly maintenance fee: $0
  • Monthly ATM charge reimbursements of up to $30

Why is it recommended for you?

Although CIT Bank has a relatively high minimum deposit ($100) to get started, it offers one of the best interest rates among online banks, and has no opening, monthly servicing, online transfer or incoming wire fees.

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The Best Alternative

The Complete ChexSystems Removal Kit

Our comprehensive ChexSystems Removal Guide includes the exact documents and instructions guaranteed to help you get off ChexSystems and start banking again.

Learn More
Main Office
204 N Jackson St Morrison, IL 61270
Deposit Insurance
Established On
Robin Green
Number of Members
Community Bank
Institution Class
Federally Insured State-Chartered Credit Union
Institution Type
Credit Union
Credit Union Programs
Brokered Certificates of Deposit
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility

Our membership is open to all who live or work within 35 miles of our office in Morrison, IL

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