Does Community Credit Union of New Milford, Inc. Use ChexSystems? Is it Good for Bad Credit?

Considering Community Credit Union of New Milford, Inc. or already applying for its account? Find out whether Community Credit Union of New Milford, Inc. 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.

Community Credit Union of New Milford, Inc.

Several members of our community have reported that Community Credit Union of New Milford, Inc. 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 Community Credit Union of New Milford, Inc. 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

CIT Bank

The CIT Bank Savings Connect account is the best among banks that don’t use ChexSystems. Unlike many other non-ChexSystems accounts, the CIT Bank Savings Connect is also a high-yield savings account that can help grow your savings much faster than most other banks can.

Features and Benefits:

  • Interest-bearing
  • Minimum balance requirement: $0
  • Monthly maintenance fee: $0
  • Monthly ATM charge reimbursements of up to $30

Why is it recommended for you?

Although CIT Bank has a relatively high minimum deposit ($100) to get started, it offers one of the best interest rates among online banks, and has no opening, monthly servicing, online transfer or incoming wire fees.

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The Best Alternative

The Complete ChexSystems Removal Kit

Our comprehensive ChexSystems Removal Guide includes the exact documents and instructions guaranteed to help you get off ChexSystems and start banking again.

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Main Office
145C Danbury Rd New Milford, CT 06776
Deposit Insurance
Established On
John Kmetz
Number of Members
Community Bank
Institution Class
Federally Insured State-Chartered Credit Union
Institution Type
Credit Union
Credit Union Programs
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility
All persons who live, work, worship, or go to school in the town of Greater New Milford and surrounding towns. Includes family members and businesses and other entities.

Ther Great New Milford area is defined as the towns of New Milford, Bridgewater, Kent, Sherman, Roxbury, Warren, Brookfield, and Washington. Also, included are the persons retired from the above-mentioned entities as pensioners or annuitants, unremarried spouses of persons who died while within the field of membership; the credit union; members of the immediate family of persons within the field of membership of the credit union and organizations of such persons.
Accounts Offered
Electronic Services
Member Application, Bill Payment, Merchandise Purchase, Account Balance Inquiry, Share Account Transfers, Loan Payments, Electronic Cash, Internet Access Services, View Account History, Download Account History, e-Statements, Share Draft Orders
Access to Electronic Services
Automatic Teller Machine (ATM), Home Banking via Internet Website
Services & Products: Credit
Micro Consumer Loans, Real Estate Loans, Risk Based Loans, Credit Builder
Services & Products: Depository
No Cost Share Drafts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education
Services & Products: Other
No Cost Bill Payer
Services & Products: Transactional
Money orders, ATM/Debit Card Program