 Pre Approved for Patelco Credit Union, w/ 1 chageoff and 1 item in collection |
Important Announcement:
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 Jun 3 2008, 01:38 PM
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#1
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Group: Members
Posts: 7 Joined: 19-November 07 Member No.: 62,666  |
I applied online today for the interest checking. Site responded with "Pending" status and i would receive an email within 1 business day with the response. About 30 minutes later I recveived this email:
Dear EmJay: Congratulations! You've been pre-approved for Membership. All accounts are subject to Patelco Credit Union's terms and conditions. This pre-approval offer expires 10/1/2008. In addition, the following stipulations apply to your approval. Please mail or fax copies of the following documents to Patelco for review: Provide copy of state issued drivers license or identification card Provide a copy of Social Security card Listed below are the accounts you applied for and their decision status. All approved accounts are subject to Patelco Credit Union's terms and conditions. Product Status Interest Checking Approved At Patelco, we are dedicated to serving our members. As one of the nation's largest credit unions, we are proud to offer you high-yield savings, low fees and valuable features like 24/7 online account access, the convenience of e-statements, and direct deposit. Simply put, Patelco gives you more value for your money. Thank you for choosing Patelco Credit Union for your financial needs! Sincerely, Patelco Member Service Representative I have one question. Once i submit the required documents, will i be approved? With 2 negatives on my CR and 1 NSF in chexsystems, i could use a credit union for a car loan. Hopefully i get some good rates. I don't have my SSC on me. So, i won't be able to fax the documents til tomorrow. I'll keep you posted.  My Fico's
2/25/2008 TU: 613 Eq:624 Exp:619 Still Reading... |
  
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| Googie |
Jun 3 2008, 01:38 PM
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The MoneyMaker
Group: Accounting
Posts: One in Every Topic Joined: 1-February 03 From: Mountain Home, CA Member No.: 1 |
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Jun 4 2008, 11:44 AM
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#2
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
It sounds like you are approved yes. How did you qualify for membership?
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Jun 4 2008, 07:38 PM
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#3
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Group: Members
Posts: 48 Joined: 23-July 06 Member No.: 35,308 |
Last I checked Patelco uses Chex. careful, they may have not run you through yet since it's only a "pre-approval subject to their terms and conditions"
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Sep 7 2008, 03:02 PM
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#4
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Group: Members
Posts: 8 Joined: 1-March 08 Member No.: 69,873 |
Did you get the account?
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Sep 7 2008, 05:27 PM
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#5
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
unfortunately many times banks and credit unions wait and run chexsystems at a later time then deny or close the account, so yes be cautious
QUOTE It is possible to obtain an account with Patelco even though you've been reported to Chex Systems, however it will matter what you were reported for. I am unable to give you a definite answer unless you actually apply for an account and we review an updated report. Please let me know if you have any questions.
Thank you for contacting Patelco Credit Union. -------------------------------------------- Lisa I. Internet Services Specialist Patelco Credit Union This post has been edited by mca: Sep 7 2008, 05:32 PM |
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Sep 7 2008, 08:39 PM
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#6
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Group: Members
Posts: 88 Joined: 17-June 03 Member No.: 1,126 |
That is great news! They just opened a branch near me and I wanted to open an account. Did you do all of this online?
If there is an outstanding ChexSystems, isn't that based on a combination of SSN, DL# and/or current address? I am curious, as I have a two year old NSF that should be cleared up, but I want to address it first with Chex before I pursue the Patelco account. Thanks!!  "The Mach Five is the most complex and ingenious car ever built; a tribute to my father's imagination, genius and technical skills!" - Speed Racer |
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Feb 19 2009, 09:20 AM
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#7
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Group: Members
Posts: 518 Joined: 5-August 07 From: N. California Member No.: 55,939 |
One warning about Patelco..only deposit funds at Patelco branches, not at any of their "co-ops". I have deposited twice at Bank of the West and neither deposit made it into my account until I threw a fit. Overall, I am very satisfied with them, however.
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Feb 19 2009, 11:05 AM
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#8
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Lead - Chexsystems Help Forum
Group: Members
Posts: 866 Joined: 9-May 03 Member No.: 775 |
QUOTE It is possible to obtain an account with Patelco even though you've been reported to Chex Systems, however it will matter what you were reported for. I am unable to give you a definite answer unless you actually apply for an account and we review an updated report. Please let me know if you have any questions.
Thank you for contacting Patelco Credit Union. -------------------------------------------- Lisa I. Internet Services Specialist Patelco Credit Union |
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