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Credit Union ONLY

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Great idea. Keep in mind credit unions may also use Telecheck - and some (often depending on size)  have subscribed to Early Warning Services (EWS).


I'll review my updates and post options.


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You can start by PenFed doesn’t not use chex or ews, if your score is bad they give you a limited access account, which all check deposited with be on a 5 day hold, can upgrade to a regular account once your score is good enough to be eligible for their regular checking


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Justice is using CHEX as part of the account opening process.  Not sure if they would do so with just a savings account at opening...didn't care enough to ask. 

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