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PNW_hunter
PNW_hunter

This is open nationwide, not just MI. Confirmed with two MSUFCU reps.

With that said, I was denied as an out of state applicant due to excessive Chex inquiries. YMMV.

Richard Hart
Richard Hart

Approved today, I live in Wyoming and just hit the donate money button to join as member. Don’t remember what I donated to but none of the other qualifications applied. Must be NATIONWIDE! Going to use my American Express Business account as a DD if they will take it as such. Shows up on other account deposits as TRADEPAY and my name Richard F Hart Co. Should work! Now I have to deposit $2167.00 monthly for 2 months. Only have to leave a $1,000.00 balance in the savings account until bonus.

DJ
DJ

Was just told, ACH does NOT count as direct deposit.

Ugh
Ugh

Andddd denied. Ugh.

Thank you for your application with MSU Federal Credit Union. To ensure that we are able to make an informed decision on your request, we look at a variety of factors, including your Experian credit report and ChexSystems information. ChexSystems is an agency used to report past checking account history and closures. Upon review of these items, we noticed numerous inquiries and we are unable to offer membership at this time. An official decision letter has been attached to this message.

My Chex history:

18/12 (now including their chex pull, what a waste)
32/24
32/36

mothman69

DP: The Chex pull happens before the hard credit pull. If you’re denied due to Chex they don’t do the hard pull.

Edit: I’m not 100% certain they even do a hard pull, but it looks like they do based on other comments.

Jun
Jun

Declined. Chex sensitive. Denied because too many inquiries lel

Jethro Tuller
Jethro Tuller

I opened last year and it was a hard pull. I started the application online, but was declined. It gave some vague reasons but I believe they wanted to verify my identity in-branch. I went into a branch, and then it was successful.

Superchurn
Superchurn

Applying in state as an alumnus. their website sucks. their application process will refuse to actually move forward, just reloading the page or kicking you out to the initial page sometimes. the final review before submitting page also fails…it just keeps reloading after hitting the submit button.

wtf?

Superchurn
Superchurn

their application process seems…broken. their final submission fails to actually submit the app, online chat help suggested different brower, same result. its all borked!

Superchurn
Superchurn

I’d suggest waiting a day or 2. their submit button is failing, and their support people don’t know why. they said that the draft application data will stay in the system for 30 days, but there seems to be some real issues with the online app right now.

AllenW

In footprint,

I selected alumnus as my family member went to MSU however they don’t ask who on the application. There wasn’t a promo code to enter, so I enter the $250 reference in the notes / promo code box. You basically have to wait for the application to formally get approved but you will receive an email to confirm the address then the disclosures to sign electronically. From there you can setup the online access but nothing will show. Used PLAID to send $5.

Jun
Jun

Opened OOS in California. Refer to first post below. Pending applciation. Only did $5 funding.

Hellen
Hellen

What is OOS?

Ice
Ice

Out of State