Institutions Neighbors Credit Union

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

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

Neighbors Credit Union

Several members of our community have reported that Neighbors 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 Neighbors 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 6300 S Lindbergh Blvd St. Louis, MO 63123-7804
Deposit Insurance NCUA
Established On -
CEO John Servos
Headquarter Missouri
Number of Members 42,278
Community Bank -
Institution Class Federally Insured State-Chartered Credit Union
Institution Type Credit Union
Credit Union Programs Brokered Certificates of Deposit, Approved Mortgage Seller, Mortgage Processing
Low Income Designation Yes
Member of FHLB Yes
Total Assets $308,100,401
Asset Concentration -
Charter Number 62905
Routing Number -
Membership Eligibility

You are eligible for Neighbors Credit Union membership if you meet one of the following criteria:

You live or work within St. Louis City (MO), St. Louis County (MO), St. Charles County (MO), Jefferson County (MO), St. Clair County (IL), Madison County (IL) or Monroe County (IL).

You have a relative that lives or works within St. Louis City (MO), St. Louis County (MO), St. Charles County (MO), Jefferson County (MO), St. Clair County (IL), Madison County (IL) or Monroe County (IL).


Services & Products

Accounts Offered -
Electronic Services Download Account History, Internet Access Services, Bill Payment, e-Statements, Account Balance Inquiry, Account Aggregation, Electronic Signature Auth./Cert., Share Account Transfers, Loan Payments, Remote Deposit Capture, View Account History, External Account Transfers, New Share Account, Share Draft Orders, Merchant Processing Svs, Member Application
Access to Electronic Services Audio Response/Phone Based, Home Banking via Internet Website, Mobile Banking, Automatic Teller Machine (ATM)
Services & Products: Credit Real Estate Loans, Participation Loans, Business Loans, Overdraft Protection/ Courtesy Pay, Indirect Business Loans, Indirect Consumer Loans, Share Secured Credit Cards, Risk Based Loans, Credit Builder, Overdraft Lines of Credit
Services & Products: Depository No Cost Share Drafts, Business Share Accounts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education First Time Homebuyer Program, Financial Literacy Workshops, Financial Education, Financial Counseling
Services & Products: Other Bilingual Services, Student Scholarship, Insurance/Investment Sales, No Cost Bill Payer
Services & Products: Transactional Check Cashing, ATM/Debit Card Program, Money orders