Institutions Alamo Federal Credit Union

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

Considering Alamo Federal Credit Union or already applying for its account? Find out whether Alamo 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.

Alamo Federal Credit Union

Several members of our community have reported that Alamo 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.


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

We use TeleCheck

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Alamo 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 6577 First Park Ten Blvd San Antonio, TX 78213-4306
Deposit Insurance NCUA
Established On -
CEO John F Kirk
Headquarter Texas
Number of Members 6,400
Community Bank -
Institution Class Federal Credit Union - Multiple common bond - primarily federal, state, local government
Institution Type Credit Union
Credit Union Programs Brokered Deposits (all deposits acquired through a third party)
Low Income Designation Yes
Member of FHLB No
Total Assets $47,313,512
Asset Concentration -
Charter Number 2995
Routing Number -
Membership Eligibility

Alamo FCU has recently changed its charter to include all persons who live, work, worship, volunteer or attend school in, businesses and other legal entities located within area bounded by Loop 410 in San Antonio, Texas.


Services & Products

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