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shimsham
shimsham (@guest_1787349)
January 28, 2024 18:44

Denied by the following for chex:
https://jdcu-web.oflows.net/oao/userauth
Digital Federal Credit Union
Align Credit Union
Metrowest Community Federal Credit Union

Denied due to chex was 8/24 in terms of inquiries at the time.

Sergei
Sergei (@guest_1766858)
December 29, 2023 02:16

I got denied by Citibank having only 2 entries in Chex! In addition to those 2 I have 3 more from Citi today because Citi phone support recommended I try again multiple times with cookies cleared, different browser, etc. What gives?

Liz
Liz (@guest_1660882)
July 27, 2023 08:17

I got approved at Discover Cashback Debit, and have been with them a week and a half, so far so good. But I also see they did check my Chexsystems. Is it normal to get approved even if they checked the report and still approved me with a few things on my report?

RB
RB (@guest_1653944)
July 14, 2023 13:45

I opened bank accounts heavily at the end of 2022 (maybe 11-12 within a month). Associated Bank denied me, but didn’t give me a reason. I was able to open online, set up Online Banking, deposit money, etc. Then, I went to log in a week later, and it was locked. Contacted Support several times, and they sent me to Fraud Dept, but specific gal never answered. It took me 4-5x of calling support before I just received generic letter in mail with a refund of my $25 deposit.

Also been denied using PNC online, as well as Hiway Credit Union. Hiway CU was most recent, after I think I have opened 19 accts since Nov 2022 (but only 3 since beginning of May, and it was now end of June).

Christian originally denied me back in January, but when I reached out to Support, they allowed me to send docs and get approved. They did say it was automatically marked as fraud.

DK/SL/CA
DK/SL/CA (@guest_1605962)
April 25, 2023 14:26

Also sensitive to ChexSystems inquiries: Spectra Credit Union. Please add to the list.

Eric
Eric (@guest_1742804)
November 22, 2023 18:13

Hi, I know some people may have mentioned this but I am having difficulty to find the average # of inquiries per period (week, month or year) that will trigger denial. I have noticed my recent applications have been declined, or rejected due to inquiries, despite no negative information.

Should I pause from applying? How long should I pause since my last denial due to inquiry? a month, 2, 3, 6?

Eric
Eric (@guest_1742813)
November 22, 2023 18:32

Thank you for the response. It sucks when you get turned down due to inquiries even after reaching out to them. Very finicky.

DK/SL/CA
DK/SL/CA (@guest_1601802)
April 19, 2023 14:07

Please add Workers Credit Union to the list of inquiry-sensitive FIs. Denied membership in CU and savings account due to merely the number and recency of inquiries on ChexSystems.

Slick Nick
Slick Nick (@guest_1598915)
April 16, 2023 11:24

Declined Sandy Spring @ roughly 24/24
Asked to come in for BHCU @ roughly 24/24
Declined First Commonwealth Bank (PA) @ roughly 24/24
Approved M&T @ roughly 24/24
Declined Credit Union 1 (IL) @ roughly 18/24
Approved PSECU @ roughly 18/24
Approved Firstrust @ roughly 18/24
Approved FNB (PA) @ roughly18/24

mangorunner
mangorunner (@guest_1599022)
April 16, 2023 15:50

Sorry about the declines but good job on the approvals.

Did you get a hard pull from Credit Union 1? If so, which credit bureau? Thanks!
Slick Nick

Slick Nick
Slick Nick (@guest_1602254)
April 19, 2023 23:31

mangorunner No pulls on my credit for any bank account above except for PSECU.

mangorunner
mangorunner (@guest_1602276)
April 20, 2023 00:01

Thanks!

Anonymous
Anonymous (@guest_1551344)
February 6, 2023 23:14

CFG money market. Opened with Chexsystems frozen.

arizonapv
arizonapv (@guest_1503572)
December 6, 2022 22:36
Sam
Sam (@guest_1571860)
March 8, 2023 22:49

Could you help me understand how would it help to freeze the Chex report?

CreditUnionist
CreditUnionist (@guest_1473284)
October 26, 2022 14:58

Declined by USAlliance with ~8-10 inquiries in the last two years.
Approved by Elements with ~8-10 inquiries in the last two years.