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

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

Eastmill Federal Credit Union

Several members of our community have reported that Eastmill 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 ID
Notes -
Official Response (Email or Phone)

The answer to your question is no, we do not verify credit/creditworthiness to open a savings or checking account.

You would be able to open an account so long as you qualify under the field of membership.

Top Banks That Don’t Use ChexSystems

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

Apply Now
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
60 Main St East Millinocket, ME 04430-1128
Deposit Insurance
Established On
Daniel A Byron
Number of Members
Community Bank
Institution Class
Federal Credit Union - Community credit unions
Institution Type
Credit Union
Credit Union Programs
Mortgage Processing, Deposits and Shares Meeting, Brokered Certificates of Deposit
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility

The field of membership for Eastmill Federal Credit Union includes those individuals who reside, work or worship in Penobscot County, Katahdin Paper Company in East Millinocket; Also included in our field of membership are those who reside, work, worship or attend school in Sherman, Stacyville, Patten, and Island Falls and all relatives of these common bond groups, regardless of place of residence. As well as individuals, the Credit Union also serves businesses and organizations within our field of membership.

Accounts Offered
Electronic Services
e-Statements, View Account History, Account Balance Inquiry, Mobile Payments, Other (Mobile Banking), Share Account Transfers, Loan Payments, Download Account History, Share Draft Orders, Bill Payment
Access to Electronic Services
Automatic Teller Machine (ATM), Home Banking via Internet Website, Audio Response/Phone Based, Mobile Banking
Services & Products: Credit
Business Loans, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans
Services & Products: Depository
Health Savings Accounts, Business Share Accounts, No Cost Share Drafts
Services & Products: Financial Education
Financial Counseling, Financial Education
Services & Products: Other
Student Scholarship, No Cost Bill Payer
Services & Products: Transactional
No surcharge ATMs, Money orders, ATM/Debit Card Program, Check Cashing