Institutions CorePlus Federal Credit Union

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


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 202 Salem Tpke Norwich, CT 06360
Deposit Insurance NCUA
Established On -
CEO Nicholas K Fortson
Headquarter Connecticut
Number of Members 22,488
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 No
Member of FHLB Yes
Total Assets $190,063,889
Asset Concentration -
Charter Number 1148
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.


Services & Products

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