Credit score for checking account w/ Pentagon Federal CU?

Last year I have applied for checking and savings account with Pentagon Federal and I was granted savings and declined for checking. I was told that my credit score was too low based on their credit scoring system(not FICO). I am 21 and have a very healthy savings account w/ direct deposit through them, could this be a negotiation factor to convince them to open me a checking account? If not, would anyone know what their credit criteria is? I know my chex system is clean but I have made few mistakes along the way with my credit and now recovering from it. I am thinking about reapplying but I dont know if my credit is good enough this time around. I was really hoping that my savings et would convince them otherwise.