Turned down for regular checking? We can help.

We believe that making financial mistakes should never disqualify a person from accessing core banking services. That’s why we created Aspire Checking.1 It gives those who have made past mistakes a second chance to achieve financial wellness.
When consumers apply for a checking account, banks and credit unions turn to ChexSystems®, a consumer reporting agency, to review applicants’ backgrounds to determine such items as unpaid fees, involuntary account closures, and fraudulent activity on past checking accounts.
While a blemish on your CheckSystem® record will prevent you from opening a checking account at most financial institutions, CU SoCal can offer you a second chance with Aspire Checking. To qualify, the amount you owe on a past checking account cannot exceed $1,000 nor be caused by fraud.2

Get a second chance–and great features– with Aspire Checking:

  • $15 monthly service fee³ (Only $5 per month fee with $500 monthly direct deposit, or if you use - or swipe - your CU SoCal Debit Card at least 20 times per month and have opted in for eDocuments)
  • Debit card
  • Online Banking
  • Remote check deposit access ($1,000 deposit max/day, $2,500 deposit max/month)
  • External account transfers
  • No Courtesy Pay
  • No Shared Branch services
  • Converts to Rewards Checking on the 13th month after the account is opened2

Apply for an Aspire Checking Account.

  1. Apply for a Rewards or Classic Checking Account using our online application button. Criteria for checking accounts differ at each financial institution. Even though you may have been turned down for a checking account in the past, you may actually qualify for a regular (Rewards or Classic) checking account at CU SoCal.

  2. If you do not pass our ChexSystems® criteria but DO qualify for Aspire Checking, we will reach out to you directly to complete the application process.

  3. Apply today and let’s get you into a checking account at CU SoCal!

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Building Better Lives

Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


562.698.8326 | 866 CU SoCal Se Habla Español