Institutions BOND Community Federal Credit Union

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

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

BOND Community Federal Credit Union

Several members of our community have reported that BOND Community 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.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to BOND Community 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 433 Moreland Ave NE Atlanta, GA 30307-1562
Deposit Insurance NCUA
Established On -
CEO Ruth Artis
Headquarter Georgia
Number of Members 4,958
Community Bank -
Institution Class Federal Credit Union - Community credit unions
Institution Type Credit Union
Credit Union Programs Deposits and Shares Meeting, Short-Term, Small Amount Loans (FCU Only)
Low Income Designation Yes
Member of FHLB No
Total Assets $39,804,810
Asset Concentration -
Charter Number 20974
Routing Number 261073591
Membership Eligibility

To be eligible for membership you must live, work, worship, or volunteer within the neighborhoods they serve.


Services & Products

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