Anyone know of any “good” CUs that’s don’t pull ChexSystems for membership and have open membership (joining through association fine too). I’ve been denied to numerous CUs only due to Chex inquiries no negatives just inquiries. So I need some credit unions that don’t use it

I'm a member of a CU in California. Recently, I needed to withdraw from an annuity (Western & Southern), and filled out their bank deposit form. A few weeks waiting, I called. They said their "internal tool" didn't recognize the bank, so they mailed out a check. I asked my CU about this, & they said "A check is even LESS secure! Lost, stolen, etc.". Back to W&S, they explained their tools have issues with some CUs & small banks. I asked "what is this 'tool'? Why not call me before sending a check? Why not contact the CU directly?!?" I should have added, "which 'free app with ads' software does W&S use?" So now I have to get my CU, which was founded in 1951, to draft a letter... I really prefer not to use large banks, who regularly dip into fraud & are linked to nefarious shareholders... Is this BS, or what?

I'm a member of a CU in California. Recently, I needed to withdraw from an annuity (Western & Southern), and filled out their bank deposit form. A few weeks waiting, I called. They said their "internal tool" didn't recognize the bank, so they mailed out a check. I asked my CU about this, & they said "A check is even LESS secure! Lost, stolen, etc.". Back to W&S, they explained their tools have issues with some CUs & small banks. I asked "what is this 'tool'? Why not call me before sending a check? Why not contact the CU directly?!?" I should have added, "which 'free app with ads' software does W&S use?" So now I have to get my CU, which was founded in 1951, to draft a letter... I really prefer not to use large banks, who regularly dip into fraud & are linked to nefarious shareholders... Is this BS, or what?

I recently wanted to move over my money I have in a HYS bank account to a credit union as I heard it’s safer and I have about over 10k in 3 different account. Now why would I? I’m a paranoid person and want to make sure I can accesses my money if for someone reason one bank fails.

Any really good credit union recommendations for HYS and longevity.

My company currently operates a data consortium of 270 credit unions representing 10% of all credit union members (we are aiming for 500 credit unions by year end and 40% of all members). We have just built a tool that should help credit unions optimize their deposit pricing strategy (avoid overpaying for new money deposits - or achieve the deposit growth they are seeking), track credit deterioration internally as well as across credit unions (proactively mitigate their exposure to deteriorating credit quality), benchmark attrition & customer acquisition, and measure and benchmark member lifetime profitability and benefit (financial benefit to the member). We are initially really focused on share/deposit strategy. I am curious if anyone on this subreddit is interested in helping us with product discovery or has ideas of other major problems that could be solved through a robust data consortium.

Like realistically, how much would it improve my odds? Since I can actually explain my situation, will they take that in to account?

I can 100% pay back my loan and can prove it.

So I bank with Tinker FCU and deposited a check of $448 through the app. When I submitted it showed that only $20 was processing. Did I somehow do it wrong, or is that normal? This is the first time I’ve deposited a check am this large. TIA!!

Looking for a true professional opinion. In the current political climate, with all of the changes occurring, would it be smart to move from a major bank to a credit union for the first time?

I'm looking to compare personal loan rates, ideally see what I prequalify for, between Navy Federal Credit, Alliant, PenFed, NASA Federal Credit Union, and SECU (MD). As far as I can tell, without being a member I can only check my prequalified rate with NASA Federal Credit Union. If that's the case, how are folks figuring out which will have the best rate? I'm not really looking to create a membership with every one of these or have the hard credit check of actually applying for all of these loans. The rate ranges are relatively similar for many of these--between 8.99-18%. If all the rates are roughly the same, does anyone feel one of these credit unions is significantly better for any particular reason?

**Edit to add** I am also looking to open a new checking account and a new savings account, if one of those is better for both of these as well it would help tip the scales.

Recently applied to be a member of Cal Coast CU in SoCal and was denied because my credit bureaus were frozen. Just curious if they do a soft pull or a hard pull to join. Thanks very much!

EDIT: Not referring to Chexsystems, referring to Experian, TransUnion and/or Equifax.

Been looking into Dcu for a little while and they seem to be pretty good from what I can tell. However, I notice a lot of people talk very highly of IQ credit union as well....juat curious for those who'd pick one over the other and their reasoning for it. Thank you!

Does your CU offer/partner with zelle? Mine does not offer but it's been looked into now that zelle announced their changes. What does your fraud look like if it's offered at your CU? Pros/cons?

Im interested in speaking to anyone working in UK credit union technology - whether as an employee or volunteer. I am a Business Analyst looking to volunteer in any credit union tech transformation projects.

I went to my local credit union and I saw this "CO-OP Shared Branch" logo on the door which looks like this. What does this logo mean? It was the first time that I saw this logo.

Moreso looking for a credit union that's nationwide rather than local. Decent checking and savings account preferred, good loan options, and just overall a good credit union. I've noticed first tech quite a bit and affinity while searching. What made you choose your credit union and why? Thank you!

I currently primarily bank with SoFi and I have no issues with them. However sometimes I get cash that I can’t deposit with SoFi unless I pay a fee. So I was thinking of opening a credit union checking account but I don’t want any monthly maintained fees. I’ll also consider savings account if the APY is good. Which credit union is a good option?

Any users of Eagle Community Credit Union here?

I've used them for decades, and a couple of weeks ago they've completely redesigned their site:
https://www.eaglecu.org/home-page

However, they've disabled the ability to log in from the home page (as you will find out if you try to click the Online Banking button). Nothing happens. This is not specific to a given browser or the side-effect of an aggressive VPN or anti-malware app. I've tried it on both Chrome and Edge, with and without the malware service or VPN activated.

Being a software engineer, I used the Chrome dev tools to inspect the element. It appears that the code is there, but has been commented out. In order to log in, you have to navigate directly to their legacy login page https://online.eaglecu.org/

Anyone else experience this?

Hello, so I recently opened a credit union account with Alliant and I wanted to transfer all my money from chase bank to Alliant through Zelle and I was wondering if that was possible ? If so how would that be done?

Not to get too tinfoil-hat, but with the constant barage of maybe-changes coming in the new administration, are CUs stronger than large banks if the FDIC is abolished?

I'm just trying to minimize my personal chaos.

Don’t ever join this credit union. It’s run by people with a trump-like criminal mentality.

I know this is long. Totally understand if you don't want to read it. There are no questions or requests. This is just a rant to get things out of my system. I'm just a bit confused and frustrated after given conflicting information by different parties.

For some background information, I'm just starting out with online freelancing as a sole proprietor. I'll be doing programming-related stuff at outlier.ai and considering drawing and 3D modelling (at Fiverr or something). I'm currently living under the generosity of my parents, but I'm trying to build a portfolio and get work experience. Not much income for the foreseeable future, but just want a checking account without much fees for whatever income does come in.

I was looking at the Total Checking at SECU MD, which is advertised for personal banking, but they don't have a Terms and Conditions page for whether you could use it for freelance or not. I contacted customer service via chat, and when asked whether there are such restrictions, they said no, but a business checking account is recommended.

I ended up going to the branch to sort out a technical difficulty to creating the account. There I was told that this kind of usage for the personal checking was illegal, that I would be reported. (This spiked my anxiety, I wasn't sure if they literally meant law or if it's just SECU TOS; I thought a sole proprietor wasn't required to have a business checking). They also said for business checking, they don't do it if I'm only operating online, cause this isn't a national bank like Capital One.

I contacted customer service again (via phone call) to verify this information. They talked to their manager and told me the person at the branch was giving false information. They told me I can use it for business, but the payments have to be paid to my name, rather than my business name. They even asked for the branch name and stuff. The person was nice and wrote in a report for me. I was told I would be contacted again by a 1-800 number for further consultation. At this point I was convinced that the agent at the branch was giving false information.

I also scheduled a virtual appointment to sort out the original technical difficulty.

On the day of that appointment, I was called. Once again, they told me no business usages for personal accounts. I asked and they clarified this was SECU policy, and not law, but they don't know any financial institution that would allow this. They also gave me a bunch of other information, like if I'm doing taxes with my SSN, then I need a trading registration. If I'm receiving payments internationally, SECU also doesn't do that. I also cannot run my business under my own name. Btw this was not a 1-800 number. After the call I realized the number was from that same branch I went to. It might have been the same agent too. What ticked me off was familiar statements--a recommendation to check out commercial banks like Bank of America and M&T.

I called customer service again. They were confused why I would need a trading registration if I'm not doing trading work. They directed me to make another appointment but I told them I already have one coming up today.

Lastly I had the virtual appointment. At this point I gave up making an account and my goal was just for some clarity. What pieces of information was correct? Most of the info I asked about were given an "it depends" answer. But the person said the two pieces of info given by the agent at the branch said was correct--no online-only businesses and no business purposes for the personal checking. Once again, asked and was told this is SECU policy rather than law, but they don't know what it's like at other places.

I suppose I should trust the people who's actually opening the accounts, rather than customer service. I just feel trolled by this whole experience.

I honestly forgot about my points until I received a letter mentioning how many I had. Unsurprisingly, none of the rewards are anything special. I saw on an older thread that people were able to get cashback with their points (https://www.reddit.com/r/creditunions/comments/1b0to0i/credit\_card\_rewards/). Does anyone know if that's still an option? I haven't been able to get through to customer support and I don't see the option on their site.

We have a check over 100k arriving no later than Monday. We have banked with our CU for 10 years and generally live paycheck to paycheck but we don’t overdraft. I am doing the math here on a 7 day hold and it’s not looking good for Christmas. Is there a possibility they could release part of the funds early or do they have to wait until it clears? If it helps the check will come with an explanation and disbursement ledger from an attorney.

Any credit unions that require FIDO/U2F or TOTP to login without having an SMS text backup?

Do Credit Unions use Encompass, Arive, Lendingpad as LOS' like the mortgage industry does?

I have some experience automating LOSs from Mortgage industry and I am curious if there is any overlap.

I have slot of “gimmick” apps, Self, Kovo, Step, grow credit, kikoff Ava, Fingerhut 2 secured cards opensky and capital one, how can I pull ahead to 650 ? Is there anything I can do to do an increase? Looking to get a 3k card then stop until spring before opening up a new one.

I just scored a phone interview for CapEd Credit Union and was wondering if anyone has gone through their interview and hiring process. I applied to their bank teller position.

What interview questions did they ask? Any tips to passing through to the 2nd interview round (it will be in-person)?

Can someone tell me what lender or bank is this one in the image?

https://imgur.com/a/JumtjnE

A credit union near me is hiring for a part time teller position & I wanted to ask about what it could be like working there. Its about 20 hours which is more than I work now. I’ve been in retail for over 2.5 years now & am desperate for a better job. I have experience taking payments & handling cash as well as customer service experience. My questions are: whats the dress code like? What’s it like explaining all the products available? Is there any up selling involved? How do you learn all the polices about security & loss/fraud?