Fresh Start Checking
A Second Chance to Bank Responsibly
Fresh Start Checking Account Details
- This account is perfect for those who need a second chance at banking because of closures at other financial institutions, denied checking accounts because of ChexSystems reporting, or any less-than-perfect banking history.
- Get your direct deposit up to 2 days early*
- $20 monthly service fee
- Courtesy Pay¹
- Opening deposit minimum: $25
How to Get Back on Your Feet
To be eligible to convert your Fresh Start Checking to another Neighborhood Credit Union checking account complete the following:
- Six months of satisfactory account history
- AND completion of the online CheckRight educational course,(Opens in a new Window) where you receive a certificate once complete
CheckRight Workshop
My Rewards® Debit Cards
Join our exclusive members-only rewards program! Earn points every time you shop with your My Rewards® Gold or Platinum Debit Cards. Spend $100 using your eligible Neighborhood Credit Union Visa Debit Card and accumulate points redeemable for fantastic prizes!7
Get paid up to 2 days early.*
*Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
Looking to streamline your financial transactions? Whether you're splitting bills with friends or reimbursing family for shared expenses, Zelle offers a convenient solution.
With Zelle, you can skip the hassle of visiting an ATM or dealing with cash. It's a fast, secure, and straightforward method to send and request money. Funds are transferred directly to the recipient's account within minutes*, requiring only their email address or U.S. mobile phone number. Simplify your money management with Zelle today.
Surcharge-Free ATMs
GreenPath Financial Wellness
Courtesy Pay
Refer Friends For Rewards
Mobile Wallet
Send Money with Zelle®
Want to compare our accounts side by side?
Account Type | Summary | ATM Refunds² | High Yield Interest APY¹ | Opening Deposit | Monthly Fee |
---|---|---|---|---|---|
High Yield |
Free checking with high-yield interest.
|
Yes | 0.01% - 4.00% | $100 | $0 |
Cash Back |
Free checking with cash back rewards.
|
Yes | No | $25 | $0 |
Priority |
Low Opening Deposit and Overdraft Fee Forgiveness.
|
No | No | $25 | $11.99 |
Fresh Start |
Ideal for those with less-than-perfect checking needing to get back on their feet.
|
No | No | $25 | $20 |
Minor/Student Accounts |
MyNCU Mobile App
Frequently Asked Questions
- have no more than three (3) items returned as non-sufficient funds or no more than three (3) paid under the courtesy pay/overdraft program; or a total of no more than three (3) non-sufficient funds returns and courtesy paid items during the six months.
- have no charge-back or returned deposits.
- complete the CheckRight course and download your completion certificate. Visit the CheckRight page for more details.