Institutions Chemcel Federal Credit Union

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

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

Chemcel Federal Credit Union

Several members of our community have reported that Chemcel 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.


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

We use TeleCheck.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Chemcel 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 5740 County Road 4 Bishop, TX 78343
Deposit Insurance NCUA
Established On -
CEO Michael Engel
Headquarter Texas
Number of Members 8,302
Community Bank -
Institution Class Federal Credit Union - Multiple common bond - primarily chemical
Institution Type Credit Union
Credit Union Programs Deposits and Shares Meeting, Approved Mortgage Seller, Brokered Certificates of Deposit
Low Income Designation Yes
Member of FHLB No
Total Assets $100,907,933
Asset Concentration -
Charter Number 7129
Routing Number 314977971
Membership Eligibility Celanese and Oxea Corporation employees, retirees and family. Employees of contract groups working on Celanese sites, reitrees and family members.

Persons who live, work, worship or attend school in Kleberg or Nueces Counties.

Services & Products

Accounts Offered -
Electronic Services Member Application, Bill Payment, Account Balance Inquiry, Share Account Transfers, New Loan, Loan Payments, View Account History, Share Draft Orders, e-Statements, Remote Deposit Capture, Download Account History
Access to Electronic Services Audio Response/Phone Based, Mobile Banking, Automatic Teller Machine (ATM), Home Banking via Internet Website
Services & Products: Credit Share Secured Credit Cards, Risk Based Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Overdraft Lines of Credit, Indirect Consumer Loans
Services & Products: Depository No Cost Share Drafts, Share Certificates with low minimum balance requirement, Business Share Accounts
Services & Products: Financial Education Financial Counseling
Services & Products: Other No Cost Bill Payer, Student Scholarship, Insurance/Investment Sales
Services & Products: Transactional Money orders, ATM/Debit Card Program, No surcharge ATMs