Institutions Alhambra Credit Union

Does Alhambra Credit Union Use ChexSystems? Is it Good for Bad Credit?

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

Alhambra Credit Union

Several members of our community have reported that Alhambra 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 Alhambra 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 7339 N 35th Ave Phoenix, AZ 85051
Deposit Insurance NCUA
Established On -
CEO Debra McConnell
Headquarter Arizona
Number of Members 4,199
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Brokered Certificates of Deposit
Low Income Designation No
Member of FHLB No
Total Assets $20,484,664
Asset Concentration -
Charter Number 60165
Routing Number 322172425
Membership Eligibility School District Employees - Alhambra School District; Avondale School District; Estrella Mtn.Comm. College; Litchfield School District; Littleton School District; Pendergast School District; students of Agua Fria High School; and Estrella Mtn. Comm. College; Family Members; Anyone who is sponsored by an existing member

Services & Products

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