Does United Savings Credit Union Use ChexSystems? Is it Good for Bad Credit?

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

United Savings Credit Union

Several members of our community have reported that United Savings 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 Credit report
Notes -
Official Response (Email or Phone)

There is not a minimum score. We look at the over-all history. For example: if you are interested in opening a checking account — are there chargeoffs/collections for NSF checks that haven’t been paid? If there are unpaid accounts-we may not open a checking but would consider a savings account to get started. Are there positive “lines of credit”? How about recent Bankruptcy, etc. Usually we will start a savings and then determine the eligibility for checking/debit card from the credit report.

I know that is a somewhat vague answer but we try see that everyone’s situation is a little different and that not everyone is a cookie cutter.

Top Banks That Don’t Use ChexSystems

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

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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.

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Main Office
220 10th St N Fargo, ND 58102
Deposit Insurance
Established On
Nicholaus J Woodard
North Dakota
Number of Members
Community Bank
Institution Class
Federally Insured State-Chartered Credit Union
Institution Type
Credit Union
Credit Union Programs
Low Income Designation
Member of FHLB
Total Assets
Asset Concentration
Charter Number
Routing Number
Membership Eligibility
Membership in this credit union is limited to individuals who reside or are employeed in Cass and Ransom counties in North Dakota, Clay County in Minnesota, and that portion of Otter Tail County in Minnesota that is west of a line which is five miles east of a parallel to Highway 59, and members of their immediate families.
Accounts Offered
Electronic Services
View Account History, Download Account History, Share Account Transfers, e-Statements, Loan Payments, Account Balance Inquiry, Internet Access Services, Share Draft Orders, Bill Payment
Access to Electronic Services
Mobile Banking, Home Banking via Internet Website, Automatic Teller Machine (ATM), Audio Response/Phone Based
Services & Products: Credit
Share Secured Credit Cards, Real Estate Loans, Overdraft Protection/ Courtesy Pay, Risk Based Loans, Credit Builder
Services & Products: Depository
No Cost Share Drafts, Share Certificates with low minimum balance requirement
Services & Products: Financial Education
Services & Products: Other
No Cost Bill Payer
Services & Products: Transactional
Money orders, Prepaid Debit Cards, ATM/Debit Card Program