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I have baddies w/ chexsystems and my fiance wants to open a joint account ( this was expected ) with Apple Credit Union - adding me as an authorized user. If I understand correctly, I have a better chance for a branch manager's override by going in personally - does anyone know if it will help huge amounts if I pay off chexsystems completely? I understand a paid account is much easier than non paid. Please let me know of any experience with apple/ chexsystems. Thank you