Considering Archer Heights Credit Union or already applying for its account? Find out whether Archer Heights 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.
Several members of our community have reported that Archer Heights 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 Archer Heights 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||6554 W Archer Ave Chicago, IL 60638|
|CEO||Lisa M Strnad|
|Number of Members||2,829|
|Institution Class||Federally Insured State-Chartered Credit Union|
|Institution Type||Credit Union|
|Credit Union Programs||Brokered Certificates of Deposit, Brokered Deposits (all deposits acquired through a third party)|
|Low Income Designation||Yes|
|Member of FHLB||No|
Any person who lives or works in any of the following ZIP codes is eligible to join our credit union - 60632, 60638, 60629, 60652, 60501.
Services & Products
|Electronic Services||New Loan, Loan Payments, View Account History, Remote Deposit Capture, Download Account History, Account Balance Inquiry, Share Account Transfers, Share Draft Orders, e-Statements|
|Access to Electronic Services||Home Banking via Internet Website, Automatic Teller Machine (ATM), Audio Response/Phone Based|
|Services & Products: Credit||Micro Consumer Loans, Risk Based Loans, Credit Builder, Real Estate Loans, Share Secured Credit Cards|
|Services & Products: Depository||Business Share Accounts, No Cost Share Drafts|
|Services & Products: Financial Education||-|
|Services & Products: Other||Bilingual Services, Insurance/Investment Sales|
|Services & Products: Transactional||ATM/Debit Card Program, Check Cashing, Money orders|