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

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

CU Hawaii Federal Credit Union

Several members of our community have reported that CU Hawaii 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 TeleCheck
Notes -
Official Response (Email or Phone)

To become a member we would first have you open a Savings account. The savings is what establishes your membership with us. Upon opening a new checking account here at CU Hawaii, we run your Social Security Number through the TeleCheck system.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to CU Hawaii 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.

Learn More
Main Office
476 Hinano St Hilo, HI 96720
Deposit Insurance
Established On
Kurt Alicuben
Number of Members
Community Bank
Institution Class
Federal Credit Union - Community credit unions
Institution Type
Credit Union
Credit Union Programs
Deposits and Shares Meeting, Brokered Certificates of Deposit
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility

Person(s) living or working on the Island of Hawaii

Person(s) who regularly work, attend school, worship, perform volunteer services or participate in associations headquartered on the Island of Hawaii.

Person(s) participating in programs to alleviate poverty or distress which are located on the Island of Hawaii.

Incorporated and Unincorporated organizations on the Island of Hawaii or maintaining a facility located on the Island of Hawaii.

Any member of CU Hawaii may also enroll their immediate family (which includes spouse, parents and children), whether living in the same household or not.

Accounts Offered
Electronic Services
Share Draft Orders, Account Balance Inquiry, e-Statements, Share Account Transfers, New Loan, Loan Payments, Download Account History, View Account History, Bill Payment
Access to Electronic Services
Automatic Teller Machine (ATM), Home Banking via Internet Website, Kiosk, Audio Response/Phone Based, Mobile Banking
Services & Products: Credit
Business Loans, Participation Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Interest Only or Pymt Option, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Micro Business Loans, Debt Cancellation/Suspension, Overdraft Lines of Credit
Services & Products: Depository
Business Share Accounts, No Cost Share Drafts
Services & Products: Financial Education
In-School Branches
Services & Products: Other
No Cost Bill Payer
Services & Products: Transactional
Check Cashing, No surcharge ATMs, ATM/Debit Card Program, Money orders