Fresh Start Checking

A second chance checking account because everyone deserves a do-over.

With easy access to cash, tons of free services, and one low monthly fee, you’ll be able to do it better the second time around.

Low Monthly Fee

Low Monthly Fee

$15 a month leaves you plenty of room in the budget for other stuff.

24/7 Access

24/7 Access

24/7 access with free Online Banking and Mobile App.

Visa® Debit Card

Visa® Debit Card

A free Visa® debit card for quick and convenient spending.

30,000 ATMs

30,000 ATMs

Access to 30,000+ surcharge-free ATMs.

Best For
People who want a second chance checking account.
Monthly Fee
$15
Minimum Daily Balance
$0
Minimum Opening Deposit
$50

Make an Appointment Today

Checking Account Access At Your Fingertips

  • 24/7 access
  • View current balances
  • Remote deposits – deposit checks from your couch
  • Transfer money in real-time or schedule it
  • View statements
  • Locate branches and ATMs
  • Set account alerts
  • Pay bills or stop payments
  • Schedule an in-person appointment
  • Apply for loans and other offers

Checking Account Access At Your Fingertips

Questions About Excite Checking Accounts?

Our Fresh Start Checking is for people who want a second chance checking account because they have been restricted from opening a checking account in the past. 

And we get it. Bad luck happens. Sometimes spending gets a little out of hand. Things spiral out of control. But everyone deserves a second chance. That’s why we have this second chance checking account.

Yes, but it’s a very low fee. Only $15 per month and you get all the great Excite features and benefits with the account.

No. You can use more than 30,000 surcharge-free ATMs across the country. So no matter where you go, you'll have easy access to your cash.

You’ll need to make an appointment or stop by any financial center during regular business hours. One of our team members will meet with you to verify that you qualify for this second chance checking account. Then we’ll help you open it then and there.

Yes. But you should join us. We’re different from the other banks and credit unions. We like to think we’re fun… for a credit union. Plus only Excite has a second chance checking account quite like this.

You can easily apply online or stop by an Excite financial center to join in person.

★★★★★

By keeping good communication with them about my situations they have gotten me
out of many jams. The most trustful bank I’ve come across.

~ Louis M.

★★★★★

The good people here went above and beyond in helping me correct very expensive
problems, after bad advice given by my Accountant. None of the big Banks would go the extra mile.

~ Oliver D.

Check out our other checking accounts!

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.