Institutions American Lake Credit Union

Does American Lake Credit Union Use ChexSystems? Is it Good for Bad Credit?

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

American Lake Credit Union

Several members of our community have reported that American Lake 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 American Lake 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 9900 Veterans Dr SW Tacoma, WA 98493-0001
Deposit Insurance NCUA
Established On -
CEO Kolin C McMann
Headquarter Washington
Number of Members 5,031
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Borrowing Repurchase Agreements
Low Income Designation No
Member of FHLB No
Total Assets $46,822,683
Asset Concentration -
Charter Number 68371
Routing Number -
Membership Eligibility Membership Is Open To:

Any person living in a school district in the state of Washington. Employees and Volunteers of the VA Medical Center, Tacoma, WA. Washington State Army and Air National Guard employees and retirees Washington State Military employees. Camp Murray employees.
Veterans of all service branches receiving service at the VA Medical Center at American Lake are now eligible for membership. Any family members of existing Credit Union members. Once you are a member, you can keep your account open no matter where you work or live.

Services & Products

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