Does Truwest Credit Union Use ChexSystems? Is it Good for Bad Credit?
Considering Truwest Credit Union or already applying for its account? Find out whether Truwest 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.
Truwest Credit Union
Several members of our community have reported that Truwest 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.
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| Method of Verification | Chexsystems and a credit report |
| Notes | Are you finding it difficult to get approved for a checking account? At TruWest, we understand that sometimes life is not perfect and we want to help you make a fresh start. We have options for everyone — even if you have been turned down for checking accounts in the past. With TruWest’s Opportunity Checking, you’ll enjoy features such as:
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| Official Response (Email or Phone) | Thank you for your inquiry. When someone applies for a new membership or checking account we pull ChexSystems and qualify the applicant based of of the information supplied by ChexSystems. We do also pull credit, but it is not used to qualify for membership. If there is any concern with your ChexSystems report, we do offer our Opportunity Checking account which allows people who have had issues in the past to establish a checking account. Your ChexSystems entry has to be less than $500 and over a year old to be approved for the Opportunity checking. |
Top Banks That Don’t Use ChexSystems
Below you will find banks that don’t use ChexSystems as an alternative to Truwest 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 NowThe 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.
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Membership Eligibility
- Anyone who lives or works, or any business located in Maricopa County, Arizona.
- Anyone who lives or works, or any business located in the designated ZIP codes in Pinal County. (See Eligible Arizona ZIP Codes table below).
- Anyone who lives or works in the Riata Apartment Community in Austin, TX.
- Anyone who lives, works, or attends school in Travis County or Williamson County, TX.
Eligible Arizona ZIP Codes:
All of Maricopa County & the following ZIP Codes within Pinal County:
- 85212
- 85218
- 85219
- 85220
- 85239
- 85242
- 85247
- 85248
- 85249