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Fresh Start Checking

Who Says There Are No Second Chances?

Fresh Start Checking provides you the ideal opportunity to rebuild your financial history and regain control of your finances. Even if your credit history isn't perfect, this account offers a path to better financial health and access to essential banking features.

Open An Account

Get Up to $250 When You Set Up Direct Deposit1

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A New Beginning Awaits

If you’ve faced financial setbacks, Fresh Start Checking is here to help you get back on track. This account includes all the essentials of a regular checking account, with the added benefit of being easier to qualify for, even with a less-than-perfect ChexSystems record. Plus, after six consecutive months of good account management—no overdrafts and continuous direct deposits—you can upgrade to our rewarding Daily Cash Back Checking account. Start fresh today and pave the way for a brighter financial future.

Let's Get Started!

Key Features of Fresh Start Checking

  • Low Monthly Fee

    Pay just $9 a month for your checking account.
  • No Minimum Balance

    Open your account with $25 and enjoy no minimum balance requirement.
  • Free Visa® Debit Card

    Use your card or pair it with digital wallets to make secure and simple purchases worldwide.
  • Instant Transfers with Zelle®

    Seamlessly transfer money to your loved ones.
  • Experience Early Paydays

    Enroll in direct deposit and receive your salary up to two days in advance.2
  • Guaranteed Safety

    Rest assured, your funds receive federal insurance up to $250,000.
Second Chances Do Happen

Ready for your Fresh Start?

Stop by one of our Houston-area branches, give us a call, or quickly apply online to get started.

Fresh Start Checking FAQs

Fresh Start Checking is ideal for individuals who have faced restrictions in opening a checking account due to past financial difficulties. We understand that life can be unpredictable, and financial setbacks can happen to anyone. This account is designed to provide you with the opportunity to start over and rebuild your financial stability. Everyone deserves a fresh start, and Fresh Start Checking is here to help you achieve that.
Fresh Start Checking does not include the ability to write checks. Instead, we encourage members to take advantage of more secure and convenient payment methods such as using your debit card, setting up ACH transfers, or obtaining a cashier’s check. These alternatives provide a safer and more efficient way to manage and pay your bills.
Fresh Start Checking includes all the essentials of a regular checking account, such as online and mobile banking, a debit card, and access to our network of ATMs. It also offers features to help you manage your money responsibly and build a positive financial history.
Yes, Fresh Start Checking has a low monthly fee. However, the benefits of rebuilding your financial history and gaining access to essential banking services can far outweigh the cost. Please check our fee schedule for the most current information.
You can open a Fresh Start Checking account by visiting any of our branch locations or applying online through our website.
To qualify for an upgrade, you need to maintain your Fresh Start Checking account in good standing for six consecutive months. This means having no overdrafts and ensuring continuous direct deposits during this period. When you are ready, contact the credit union to request your upgrade.