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.
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.
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.
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 | 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 | |