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Ramon
Ramon

I had a different experience: within an hour of applying, USSFCU reached out and said I needed to unfreeze my Experian report. I pushed back, and they insisted they do a hard pull for all new membership applications. Sounds like BS to me–BS I put up with for hot deals, but this isn’t one.

MOTDOC
MOTDOC

You often have to unfreeze your credit reports for soft pulls. I just checked my Experian report, and there is no hard pull from USSFCU

MOTDOC
MOTDOC

I joined the Virginia chapter of the ACC and applied on Monday, November 15. On Thursday, I received a message asking for my ID, a proof of residency (like a utility bill) and the certificate of membership with the ACC, which I uploaded. On Friday morning, a CSR called me to confirm my information (and ask about my Chex inquiries; she said there were 38; I thanked for letting me know and said I would make sure they were all legitimate). I was then sent a form via DocuSign, which I did. On Tuesday, the CSR called me again to complete the opening process and give me my online banking login information.

There has not been a hard pull

Svy
Svy

@MOTDOC How did you receive the security code necessary to open the two DocuSign forms? The CR said she would contact me again with online access info, but I am not sure if I should be looking for a pass code to sign those docs before that time.

Note that when I applied yesterday, I also pre-uploaded my dr license, ACC cert, and utility bill, and the CR still needed to ask me the “getting to know your customer” type questions, like “will you use wire transfers, checks, deposit or take out cash,” and confirmed that I was a US citizen, etc.

She noted that they had received a lot of applications the last few days and they were trying to work through them. She also noted that I had entered my mastercard (a Citi DC-with zero available cash advance) to make the initial deposit. So I will see whether the funding goes through or if I need to make a separate desposit.

MOTDOC
MOTDOC

The email I received with the DocuSign said that my zip code was the passcode (and I think the CSR also told me that, but I’m not 100%)

Svy
Svy

Thanks! I signed one document successfully, but have to have the rest re-sent to me because I screwed up the authentication the first time.

Gadget - Bank Bonus Geek

I applied last week using the ACC “Virginia Chapter” (VACC). Denied next business day. The mailed “adverse action” letter cited ChexSystems and excessive inquiries as to the reason for denial. I verified they did do a Chex inquiry. No hard credit pull was done.

They have $500 of credit card funding available but the application says in at least 3 different places it would be a Cash Advance. I tried it anyway, with my Citi DoubleCash, but it never went through since they did not approve the account.

So, they are Chex-inquiry sensitive. I average about 2 Chex inquiries per month.

Dodik
Dodik

Talked to 3 reps today and they confirmed it’s a hard pull. Not sure if they just confuse a hard pull with a soft pull…

Gadget - Bank Bonus Geek

I’ve checked Credit Karma, MyEquifax… and the Experian app. Pulled TransUnion via annual credit report… I belong to at least a half dozen identity monitoring websites/services… None have reported a hard pull. Typically when I get a hard pull I get about a half dozen emails right away… Chase, Discover, MasterCard, Credit Sesame, etc. My OPM MyIDCare would have alarmed by now as well.

HP’s on Equifax sometimes takes a couple days. That’s why I used myEquifax to verify it, and I pulled a fresh report, not just looking at an old one.

However, since they didn’t open the account I can’t guarantee they wouldn’t have pulled my credit as part of the process.

Rick
Rick

Applied Today (11/21/2021). I used G4S as my member of. They got acquired by Brinks so I kinda doubt they’ll be asking for their info. I dont think it pulled my credit. Ill give it a day. They gave me a “final approval” email, but they still want to wait two days to “get final approval” (dont know what that means).

Daniel Wu
Daniel Wu

applied today, but did not receive any type of approval detail. I applied as a ACC member. Maybe this is why there isn’t instant approval. Oddly, the application form itself didn’t ask for my ACC membership ID. The email I received contains a link to the application status, which is shown as ‘referred’. So far have not receive any credit notification yet.

Rick
Rick

I got an update. I was approved, but they want my ID and paystub. I refuse to give them my payroll information. A bank has no right to see what I make. Im pretty sure theyll deny me, but no hard credit inquiry for others

Desert Rat
Desert Rat

the email they sent me requests driver’s license. Pay stub OR util bill OR a couple other things. And ACC certificate. But I’m trying to figure out how to send them. Doesn’t seem to be a place to download??

Daniel Wu
Daniel Wu

I received the same message, and it asks for three document
– driver license
– VACC certificate
– proof of residence

For proof of residence I uploaded a bank statement. Will see if that works.

When you login to your online account (the one you setup during the application process), there is a tab allowing you to upload document. Desert Rat

Desert Rat
Desert Rat

thanks, Daniel. I’m such a tech idiot I would never have figured that out!

Carly
Carly

Does not seem to be a HP. You can provide other forms of proof of residency such as utility bill.

Roger
Roger

How many Chex inq do u have? Hard pull?

Mark
Mark

Do you have to be a senator to join?

pakacat
pakacat

Looks like you can join for free via the ACC. I haven’t applied yet because I want to know if it’s a hard pull.

Rick
Rick

From the fine print of the website:


Not a member? Not sure if you are eligible?

You don’t have to be a Senator, work on Capitol Hill or even be a Federal employee to become eligible for USSFCU membership.
We have partnered with over 100 different businesses, organizations, associations and groups that are eligibile for membership. The American Consumer Council, Virginia Chapter (VACC) is one of those groups. Joining is FREE and only takes minutes.
Follow the instructions below to join:

Go to americanconsumercouncil.org

Click the Join Now button
Fill out the short application—Use Membership Code: USSFCU to waive the $8.00 membership fee
Click Proceed to the Next Step to complete the application process
You will receive an email containing your VACC Membership Number and Certificate (retain for your records). This information will automatically be sent to USSFCU.

Thats it! You are now eligible to become a member of the United States Senate Federal Credit Union.

Ki
Ki

Thanks for the details man. I was rocking my brain about how to get to the VA part of the USSFCU