Institutions California Coast Credit Union

Does California Coast Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering California Coast Credit Union or already applying for its account? Find out whether California Coast 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.

California Coast Credit Union

Several members of our community have reported that California Coast 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 California Coast 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

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 9201 Spectrum Center Blvd San Diego, CA 92123-1407
Deposit Insurance NCUA
Established On -
CEO Todd Lane
Headquarter California
Number of Members 131,487
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Mortgage Processing, Approved Mortgage Seller
Low Income Designation No
Member of FHLB Yes
Total Assets $1,850,316,734
Asset Concentration -
Charter Number 66584
Routing Number -
Membership Eligibility

Anyone in CA can get an account here. Membership is open to anyone who lives, works or worships within the counties of San Diego or Riverside. Those outside of the area may qualify by joining the California State PTA. A one time $5 membership fee is required to join, giving you access to all the benefits of membership.

 

Services & Products

Accounts Offered -
Electronic Services Merchant Processing Svs, Share Draft Orders, Electronic Signature Auth./Cert., Bill Payment, e-Statements, Merchandise Purchase, New Share Account, Account Balance Inquiry, View Account History, Remote Deposit Capture, Share Account Transfers, New Loan, Loan Payments, Member Application, Download Account History
Access to Electronic Services Mobile Banking, Automatic Teller Machine (ATM), Audio Response/Phone Based, Home Banking via Internet Website
Services & Products: Credit Credit Builder, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Interest Only or Pymt Option, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Business Loans, Debt Cancellation/Suspension
Services & Products: Depository No Cost Share Drafts, Business Share Accounts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education Financial Education, Financial Literacy Workshops, Financial Counseling
Services & Products: Other Insurance/Investment Sales, No Cost Bill Payer, Student Scholarship
Services & Products: Transactional Money orders, Check Cashing, ATM/Debit Card Program