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

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

Community First Federal Credit Union

Several members of our community have reported that Community First 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 ID

They do not use ChexSystems, TeleCheck or EWS.

Official Response (Email or Phone)

Thank you for the question via our website. We do not pull a credit report for opening a checking account, nor do we use either of the other methods you mentioned. However, if you apply for a debit card to go with your checking account, we do pull a credit report-and your credit history determines whether or not we can issue a debit card immediately or if you need to wait through a trial period with no NSF activity in your checking account before we issue the card.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Community First 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

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
9637 N Greenville Rd Lakeview, MI 48850-9107
Deposit Insurance
Established On
Timothy G Rasmussen
Number of Members
Community Bank
Institution Class
Federal Credit Union - Community credit unions
Institution Type
Credit Union
Credit Union Programs
Deposits and Shares Meeting
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility
  1. Persons who reside or work in the townships of Winfield, Cato, Belvidere, Pine, Maple Valley, and Douglass in Montcalm County, and the townships of Deerfield and Hinton in Mecosta County;
  2. Spouses of persons who died while within the field of membership of this credit union;
  3. Employees of this credit union;
  4. Persons retired as pensioners or annuitants from the above employment;
  5. Members of their immediate families; and
  6. Organizations of such persons
Accounts Offered
Electronic Services
Account Aggregation, Download Account History, Bill Payment, Account Balance Inquiry, Member Application, Share Account Transfers, New Loan, Loan Payments, View Account History, Share Draft Orders, e-Statements
Access to Electronic Services
Automatic Teller Machine (ATM), Audio Response/Phone Based, Mobile Banking, Home Banking via Internet Website
Services & Products: Credit
Credit Builder, Pay Day Loans, Refund Anticipation Loans, Real Estate Loans, Risk Based Loans, Overdraft Lines of Credit, Overdraft Protection/ Courtesy Pay
Services & Products: Depository
No Cost Share Drafts, Share Certificates with low minimum balance requirement, Health Savings Accounts
Services & Products: Financial Education
Financial Counseling, Financial Education, In-School Branches
Services & Products: Other
No Cost Bill Payer, Student Scholarship
Services & Products: Transactional
Check Cashing, ATM/Debit Card Program, Money orders, No surcharge ATMs