Fresh Start Checking

An account designed for those who need a second chance. Or a third. We got you.

Make a change for the better

First-rate checking for people who deserve a second chance

We get it. Sometimes, bad luck happens. Spending gets a little out of hand. Things spiral out of control. You've taken steps to address those money missteps, but they're still making it hard for you to open a new checking account. At Excite Credit Union, we're happy to help you move forward. Our Fresh Start Checking comes with a low monthly fee, lots of free services and the chance to get yourself back on solid financial footing.

Fresh Start Checking is for people who have been restricted from opening a checking account due to a ChexSystems record or previous account mismanagement. To find out if you qualify,  stop by an Excite Credit Union financial center and meet with a team member.

  • $15 monthly fee
  • Low $50 opening deposit
  • No minimum balance
  • Free Visa® Debit Card
  • Free electronic Bill Payer services
  • Free Online, Mobile and Text Banking
  • Free and unlimited access to in-network ATMs
  • Four free withdrawals each month from out-of-network ATMs

Step up to Membership

Getting a membership with us isn't a transaction - it's a friendship, a partnership, a neighborhood-wide collab, a life-long pursuit of better, for you, me, us, them, and everyone else we hang out with in life.