Considering Corporate America Family Credit Union or already applying for its account? Find out whether Corporate America Family 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 Corporate America Family 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.
Below you will find banks that don’t use ChexSystems as an alternative to Corporate America Family 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.
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.
Chime accepts all customers who apply. Even if you have bad or poor credit or have been blacklisted by ChexSystems or credit bureaus.
Apply NowThe Basics | ||
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Main Office | 2075 Big Timber Rd Elgin, IL 60123-1140 | |
Deposit Insurance | NCUA | |
Established On | - | |
CEO | Peter Paulson | |
Headquarter | Illinois | |
Number of Members | 67,724 | |
Community Bank | - | |
Institution Class | Federally Insured State-Chartered Credit Union | |
Institution Type | Credit Union | |
Credit Union Programs | Mortgage Processing, Approved Mortgage Seller, Brokered Certificates of Deposit | |
Low Income Designation | No | |
Member of FHLB | No | |
Total Assets | $576,942,380 | |
Asset Concentration | - | |
Charter Number | 68215 | |
Routing Number | - | |
Membership Eligibility | Anyone who lives or works within 25 miles on a branch, works for a sponsor company or is a member of the Hope Group can join Corporate America. | |
Services & Products | ||
Accounts Offered | - | |
Electronic Services | e-Statements, Member Application, Share Account Transfers, New Loan, Loan Payments, Mobile Payments, View Account History, Remote Deposit Capture, External Account Transfers, Share Draft Orders, New Share Account, Bill Payment, Account Balance Inquiry | |
Access to Electronic Services | Automatic Teller Machine (ATM), Audio Response/Phone Based, Home Banking via Internet Website, Mobile Banking | |
Services & Products: Credit | Share Secured Credit Cards, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Risk Based Loans, Credit Builder, Debt Cancellation/Suspension | |
Services & Products: Depository | Share Certificates with low minimum balance requirement, No Cost Share Drafts, Health Savings Accounts | |
Services & Products: Financial Education | Financial Education | |
Services & Products: Other | No Cost Bill Payer, Insurance/Investment Sales | |
Services & Products: Transactional | Prepaid Debit Cards, Money orders, ATM/Debit Card Program, No surcharge ATMs |