Second Chance Credit Unions in California – Details

New Castle County School Employees Federal Credit UnionHere is a list of the credit unions offering second chance banking service in the state of CA. If you have been remarked by The Chexsystems, those non-Chexsystems credit unions will help you.

List of Credit Unions Offering 2nd Chance Checking Accounts in CA

I updated the post. And here are severalcredit unions that are reported to offering 2nd chance checking accounts in CA.

Allied Credit Union

CD Federal Credit Union

Central State Credit Union

Energy One Federal Credit Union

Foothill Federal Credit Union

Kern Federal Credit Union

Los Angeles Federal Credit Union

Mid Cities Financial Credit Union

Alta Vista Credit Union

Heritage Community Credit Union

Southland Credit Union

Premier America Credit Union

Ventura County Credit Union

Western Federal Credit Union

Alliance Credit Union

Allied Healthcare Federal Credit Union

E-Central Credit Union

Farmers Insurance Group Federal Credit Union

Financial Partners Credit Union

Kaiperm North Bay Federal Credit Union

Keypoint Credit Union

Priority One Credit Union

CoastHills Federal Credit Union

Website: http://www.coasthills.coop
This Credit Union, established in 1958, can offer 2nd Chance Checking accounts.

Heritage Community Credit Union

Website: http://www.heritageccu.com
It can offer savings-only accounts without regarding ChexSystems reports. What’s more, the account can be converted to a checking account after you have used it for six months. And the credit union can also offer 2nd chance account.

Details of Other Credit Unions in California

Here is another old good list of credit unions in CA which offer 2nd chance banking or do not use ChexSystems for new account verification. And if you find some credit unions missed or wrongly listed, please let me know so that I can update the list soon. Thanks.

Altura Credit Union

Website: http://www.alturacu.com
Headquartered in Riverside County, the credit union do not use ChexSystems service.

Technology Credit Union

Website: https://www.techcu.com
Its branches in Sunnyvale, San Jose, Milpitas and Mountain View are reported to not consider your negative records in ChexSystems. And they can provide you with bank accounts if all items of yours have been paid off.

Butte Federal Credit Union

Website: http://buttefcu.org/
In 1935, the Credit Union is founded in California and it serves more than 10,000 members now.

California Coast Credit Union

Website: http://www.calcoastcu.org/
The CU has assets of $1.8 billion and offers Fresh Start Checking which is a kind of 2nd chance checking. Note that it does use ChexSystems!

Kern Federal Credit Union

Website: http://kernfcu.org/

San Mateo Credit Union

Website: http://www.smcu.org/
It can offer savings-only accounts without considering ChexSystems reports.

Southland Credit Union

Website: http://southlandcu.org

Schools First Federal Credit Union

Website: https://www.schoolsfirstfcu.org/

Wescom Credit Union

Website: https://www.wescom.org/
It can offer savings-only accounts without considering ChexSystems reports.

Bay Cities Federal Credit Union

Website: https://www.baycities.org/
The FCU reportedly will use ChexSystems history in the past 2 years for account verification. And you can also apply for their savings-only accounts wthout considering your ChexSystems report.

Golden1 Credit Union

Website: https://www.golden1.com

San Francisco Federal Credit Union

Website: https://www.sanfranciscofcu.com

Matadors Federal Credit Union

Website: http://www.matadors.org

First Entertainment Credit Union

Website: http://www.firstent.org

WestOne Federal Credit Union

The FCU can offer bank account for you even if your ChexSystems record is negative.

Orange County Teachers Federal Credit Union

It can provide you with savings-only accounts regardless of ChexSystems report.

March Community Credit Union

It can provide you with savings-only accounts regardless of ChexSystems report.

California Credit Union

Website: https://www.californiacu.org

Orange County Federal Credit Union

Website: http://www.orangecountyscu.org

Family 1 Federal Credit Union

Website: https://www.family1fcu.org
The FCU is reported to use TeleCheck not ChexSystems.

North Island Financial Credit Union

Several branches will overlook your negative ChexSystems record.

Navy Federal Credit Union

Website: https://www.navyfederal.org
You or one of your family members should work for the Navy, if you want to apply for new bank accounts of this FCU.

Telesis Community Credit Union

Website: https://www.telesiscu.com/default.aspx
It can offer a special kind of account called Opportunity Checking Account.

 

One Response to Second Chance Credit Unions in California – Details

  1. Anonymous says:

    Wescom Credit Union runs chexsystems. I’ve tried twice to open an account there, once in March 2016 (3) months shy of my chexsystems deletion date and they would not waive it so that I can open an account. I just went back to try and open an account and it’s been over 5 years from chexsystems reporting date and I still had problems opening an account. I had to end up calling chexsystems and ask them to delete my report but it takes up to 72 hours for the changes to take effect. Crazy thing is, I have Pen Fed, Navy Fed, Wells Fargo, and Us Bank accounts and opened them with no problems. These accounts are not 2nd chance accounts they are regular accounts and I have not had any problems.

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