Credit Union question??

I WAS WONDERING IF I WANTED TO OPEN UP AN ACCOUNT WITH THE CREDIT UNION, DO THEY CHECK THROUGH THE CHEX SYSTEM?? WILL THAT DISQUALIFY ME FROM BEING ABLE TO OPEN AN ACCOUNT WITH THEM?? I HAVE HAD SOME CHARGE OFFS, LIKE 2 OR 3 I BELIEVE, BUT I PAID ONE OF THEM OFF YRS AGO, BUT THAT SHOULDN'T HURT ME RIGHT?? AND ALSO, YOU CAN USE A CREDIT UNION AS A PERSONAL BANK ACCOUNT RIGHT?

Answer:
i think they choose you on the ability to open a savings account and after you have built up some sort of credit facilty with tehm then they will let you borrow

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