Institutions Interstate Unlimited Federal Credit Union

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

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

Interstate Unlimited Federal Credit Union

Several members of our community have reported that Interstate Unlimited 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.

Top Banks That Don’t Use ChexSystems

Below you will find banks that don’t use ChexSystems as an alternative to Interstate Unlimited 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

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 705 W Cherry St Jesup, GA 31545
Deposit Insurance NCUA
Established On -
CEO Stacie B Branch
Headquarter Georgia
Number of Members 13,673
Community Bank -
Institution Class Federal Credit Union - Multiple common bond - primarily other manufacturing
Institution Type Credit Union
Credit Union Programs Mortgage Processing, Short-Term, Small Amount Loans (FCU Only), Brokered Certificates of Deposit, Deposits and Shares Meeting
Low Income Designation Yes
Member of FHLB No
Total Assets $80,689,413
Asset Concentration -
Charter Number 18707
Routing Number 261272826
Membership Eligibility

Interstate Unlimited FCU provides all the benefits of a member-owned financial institution to anyone who lives or works in Appling, Long, Liberty or Wayne Counties.

 

Services & Products

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