Considering Bellwether Community Credit Union or already applying for its account? Find out whether Bellwether Community 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 Bellwether Community 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 Bellwether Community 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.
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.
Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
Apply NowThe Basics | ||
|---|---|---|
| Main Office | 425 Hooksett Rd Manchester, NH 03104 | |
| Deposit Insurance | NCUA | |
| Established On | - | |
| CEO | Michael A l'Ecuyer | |
| Headquarter | New Hampshire | |
| Number of Members | 28,456 | |
| Community Bank | - | |
| Institution Class | Federally Insured State-Chartered Credit Union | |
| Institution Type | Credit Union | |
| Credit Union Programs | Brokered Certificates of Deposit, Mortgage Processing, Approved Mortgage Seller, Brokered Deposits (all deposits acquired through a third party) | |
| Low Income Designation | No | |
| Member of FHLB | Yes | |
| Total Assets | $408,579,847 | |
| Asset Concentration | - | |
| Charter Number | 60747 | |
| Routing Number | 211489478 | |
| Membership Eligibility | To qualify for membership you just need to live or work in the State of New Hampshire, be employed in the communications industry, or have a family member who is currently a member. | |
Services & Products | ||
| Accounts Offered | - | |
| Electronic Services | Share Account Transfers, New Loan, Loan Payments, Remote Deposit Capture, e-Statements, View Account History, Share Draft Orders, New Share Account, External Account Transfers, Member Application, Download Account History, Internet Access Services, Bill Payment, Account Balance Inquiry | |
| Access to Electronic Services | Audio Response/Phone Based, Automatic Teller Machine (ATM), Mobile Banking, Kiosk, Home Banking via Internet Website | |
| Services & Products: Credit | Real Estate Loans, Participation Loans, Business Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans | |
| Services & Products: Depository | Business Share Accounts, No Cost Share Drafts, Share Certificates with low minimum balance requirement | |
| Services & Products: Financial Education | Financial Counseling, Financial Literacy Workshops, First Time Homebuyer Program | |
| Services & Products: Other | Insurance/Investment Sales, No Cost Bill Payer | |
| Services & Products: Transactional | Money orders, ATM/Debit Card Program, No surcharge ATMs, Check Cashing | |