Institutions Central City Credit Union

Does Central City Credit Union Use ChexSystems? Is it Good for Bad Credit?

Considering Central City Credit Union or already applying for its account? Find out whether Central City 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.

Central City Credit Union

Several members of our community have reported that Central City 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.


Method of Verification Credit Report
Notes -
Official Response (Email or Phone)

We run a credit report for checking accounts, debit and ATM cards through TransUnion. We do not do a credit check for just a savings.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Central City 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 222 E Upham St Marshfield, WI 54449-1543
Deposit Insurance NCUA
Established On -
CEO Patrica A Wesenberg
Headquarter Wisconsin
Number of Members 23,576
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Approved Mortgage Seller, Mortgage Processing
Low Income Designation No
Member of FHLB Yes
Total Assets $210,900,420
Asset Concentration -
Charter Number 66678
Routing Number -
Membership Eligibility

To be a member of Central City Credit Union, you need to live or work in Adams, Clark, Marathon, Portage, Shawano, Waupaca, Waushara, and Wood counties. Also the township of Alma, Jackson county, WI. This included any incorporated villages located within those and the townships.


Services & Products

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