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NFCU default

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I ended up defaulting on a car loan and credit card 4-5 yrs ago, wondering if anyone know when I can use my checking account again. 
 

it’s been just sitting with zero balance since I was afraid they would just pull the money out to cover their losses. 
 

any help or advice would be appreciate. 

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Did you ever settle the delinquent accounts?

 

You can get a free checking account at 25,000 other places.  Why would you want to go "bank" at a place you clearly do not trust?

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NFCU has a provision that basically says, they can use any of your money with them to satisfy other debts. There is a term for this, its common.

 

Best bet would be to get in good graces with them if you still owe them before you start putting money in your account.

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