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Unify Federal Credit Union (formerly western fcu)


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6 replies to this topic

#1 whall1970

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Posted 12 April 2017 - 08:03 PM

I opened an account with them as well.  They have 52 branches all over the USA and shared branching.  I have alot inquiries on my chex and my credit is shot bad,  and they still opened up a free checking and savings for me.  I think they really do not use chex as a standard,  they use more credit report,  my credit report score was 486 and they still opened it.


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#2 whall1970

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Posted 12 April 2017 - 08:16 PM

The main thing is pass the identity verification with online application


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#3 whall1970

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Posted 12 April 2017 - 08:19 PM

Also they will give you debit card, free checking, and savings, but if really bad credit they will limit epay. mobile deposit for first 90 days


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#4 cbnboy38

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Posted 12 April 2017 - 09:04 PM

Hey! Just applied as of evening of this reply ! I was not able to open in past, but this time i appeared to meet all requirements! They took debit card info for funding! When did you get official notice that account was opened???
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#5 whall1970

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Posted 13 April 2017 - 04:55 PM

like 2 days
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#6 dredee0

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Posted 26 April 2017 - 05:54 PM

Nope, they use chexsystems... 

 

Dear XXXX,

Notice of Action Based on Information Contained in a Consumer Report:

We regret we cannot open your account today due to information received from ChexSystems, Inc., a consumer-reporting agency. ChexSystems did not make the decision to disapprove your account application and is unable to provide you with specific reasons why the decision was made.


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#7 tmcgill

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Posted 26 April 2017 - 07:05 PM

Will contact them for clarification on approvals if Chex info is a certain age.


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