I have written several NSFchecks in the past, but I currently don't owe anything to the bank. I want to open a new account at a credit union. Are credit unions more strict in who they allow to open accounts? What do they look for in applicants? Will my past NSFs affect my ability to open an account?
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It's really impossible to offer you any definite answers. There really aren't any "rules of thumb" for your question. Whether or not your past record will affect your chances to open another account will depend on whether any of your negative history has been reported to a credit reporting agency, and the individual policies and practices of the bank or credit union that you approach.
Credit unions, like banks, have widely differing acceptance of risk when opening new accounts. That is to say, there are banks and credit unions that are very strict and there are those that are less strict. The only thing that can be said with certainty is that the trend in the industry is toward tighter account opening controls.
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It's really impossible to offer you any definite answers. There really aren't any "rules of thumb" for your question. Whether or not your past record will affect your chances to open another account will depend on whether any of your negative history has been reported to a credit reporting agency, and the individual policies and practices of the bank or credit union that you approach.