Considering Communitywide Federal Credit Union or already applying for its account? Find out whether Communitywide 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.
Several members of our community have reported that Communitywide 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||Credit report|
|Official Response (Email or Phone)||-|
Below you will find banks that don’t use ChexSystems as an alternative to Communitywide 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.
|Main Office||1555 W Western Ave South Bend, IN 46619-3742|
|Number of Members||42,189|
|Institution Class||Federal Credit Union - Multiple common bond - other|
|Institution Type||Credit Union|
|Credit Union Programs||Brokered Deposits (all deposits acquired through a third party), Deposits and Shares Meeting, Brokered Certificates of Deposit|
|Low Income Designation||Yes|
|Member of FHLB||Yes|
|Membership Eligibility||Donor Member of Michiana Goodwill Boosters or Marine Corps League of St. Joseph County. Employee or Retiree of certain approved Sponsor Employee Groups. Immediate family member of qualified member.|
Services & Products
|Electronic Services||Download Account History, e-Statements, Share Account Transfers, Loan Payments, Bill Payment, View Account History, Account Balance Inquiry, Share Draft Orders|
|Access to Electronic Services||Audio Response/Phone Based, Home Banking via Internet Website, Automatic Teller Machine (ATM)|
|Services & Products: Credit||Micro Consumer Loans, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Refund Anticipation Loans|
|Services & Products: Depository||-|
|Services & Products: Financial Education||First Time Homebuyer Program|
|Services & Products: Other||Bilingual Services, No Cost Bill Payer|
|Services & Products: Transactional||Money orders, No surcharge ATMs, Check Cashing, ATM/Debit Card Program|