Jump to content

Welcome to CreditBoards!

Sign In 

Create Account
Welcome to CreditBoards! Like most online communities, you must register to post in our community, but don't worry - this is a simple process requiring minimal information for you to sign up. Be a part of CreditBoards by signing in or creating an account.
  • Start new topics and reply to others
  • Subscribe to topics to get email updates
  • Get your own profile page and make new friends
  • Send personal messages to other members.
Guest Message by DevFuse

Read These Items!

  • We're done with the posts turning political, guys.  
  • Starting immediately, any post that turns political will be immediately closed and the poster who interjected politics will be warned.  
  • ​It is our interpretation that deems it political.  We will not entertain discussion about your intentions.  
  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.
  • Yo!  AOL email is bouncing and they aren't giving us a way to get off their blacklist.  If you're registered with an AOL email address and you have another one you can use in your settings, please change your email on record, so you can get the notifications you're expecting.


Unify Federal Credit Union (formerly western fcu)

  • Please log in to reply
6 replies to this topic

#1 whall1970

  • Members
  • 29 posts

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.

#2 whall1970

  • Members
  • 29 posts

Posted 12 April 2017 - 08:16 PM

The main thing is pass the identity verification with online application

#3 whall1970

  • Members
  • 29 posts

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

#4 cbnboy38

  • Members
  • 30 posts

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???

#5 whall1970

  • Members
  • 29 posts

Posted 13 April 2017 - 04:55 PM

like 2 days

#6 dredee0

  • Members
  • 473 posts

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.

#7 tmcgill

  • Members
  • 3,179 posts

Posted 26 April 2017 - 07:05 PM

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

0 user(s) are browsing this forum

0 members, 0 guests, 0 anonymous users

© Copyright 2003 - 2015 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.