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

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

CorePlus Federal Credit Union

Several members of our community have reported that CorePlus 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 ChexSystems

Any member can get a savings.

Official Response (Email or Phone)

Yes, you can open a savings account only if your name is on ChexSystems. You need to provide proof that the issue has been resolved with the bank or financial institution named. After one year you can apply for a checking account. You would also have to have a valid picture ID with you to open the savings account. We require $5.00 in your savings account and there are no monthly fees for either savings or checking. We want to be your choice in all your financial needs and look forward to your joining our family. You can join at any of our 7 offices.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to CorePlus 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
202 Salem Tpke Norwich, CT 06360
Deposit Insurance
Established On
Nicholas K Fortson
Number of Members
Community Bank
Institution Class
Federal Credit Union - Community credit unions
Institution Type
Credit Union
Credit Union Programs
Short-Term, Small Amount Loans (FCU Only), Deposits and Shares Meeting, Brokered Certificates of Deposit, Mortgage Processing
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility

Persons who live, work, worship, or attend school in and businesses and other legal entities located in New London County or Windham County, Connecticut.

Persons who reside in the Town of Hebron, Connecticut, employees of the Town of Bolton, Connecticut.

Accounts Offered
Electronic Services
Account Balance Inquiry, New Loan, Loan Payments, Download Account History, View Account History, Share Draft Orders, New Share Account, Member Application, e-Statements, Bill Payment, Share Account Transfers
Access to Electronic Services
Mobile Banking, Audio Response/Phone Based, Kiosk, Home Banking via Internet Website, Automatic Teller Machine (ATM)
Services & Products: Credit
Participation Loans, Pay Day Loans, Risk Based Loans, Real Estate Loans, Indirect Consumer Loans, Overdraft Lines of Credit
Services & Products: Depository
Share Certificates with low minimum balance requirement, Health Savings Accounts
Services & Products: Financial Education
Services & Products: Other
Insurance/Investment Sales
Services & Products: Transactional
Money orders, Check Cashing, ATM/Debit Card Program