Institutions Express Credit Union

Does Express Credit Union Use ChexSystems? Is it Good for Bad Credit?

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

Express Credit Union

Several members of our community have reported that Express 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.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Express 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 1930 6th Ave S Ste 104 Seattle, WA 98134-1627
Deposit Insurance NCUA
Established On -
CEO Sharon Hall
Headquarter Washington
Number of Members 3,091
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs -
Low Income Designation Yes
Member of FHLB No
Total Assets $11,024,625
Asset Concentration -
Charter Number 68273
Routing Number -
Membership Eligibility

It's easy to become a member of Express Credit Union – any resident of Washington State is eligible to join.


Services & Products

Accounts Offered -
Electronic Services Download Account History, e-Statements, Bill Payment, Account Balance Inquiry, View Account History, Share Account Transfers, Loan Payments, Member Application
Access to Electronic Services Home Banking via Internet Website, Mobile Banking, Audio Response/Phone Based, Automatic Teller Machine (ATM)
Services & Products: Credit Business Loans, Participation Loans, Real Estate Loans, Indirect Consumer Loans, Micro Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Credit Builder, Pay Day Loans, Micro Business Loans, Overdraft Lines of Credit
Services & Products: Depository Business Share Accounts, Individual Development Accounts, Share Certificates with low minimum balance requirement, No Cost Share Drafts
Services & Products: Financial Education Financial Education, Financial Literacy Workshops, Financial Counseling
Services & Products: Other Bilingual Services, No Cost Bill Payer
Services & Products: Transactional ATM/Debit Card Program, Money orders, Prepaid Debit Cards