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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Fresh Start Checking

Perfect for those who want to get back on their feet.


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.
  • $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:


CheckRight Workshop

An online, self-study program that allows you to learn at your own pace and test your knowledge on checking accounts. After receiving your course certificate, contact us to assist you in converting your checking account. Visit the CheckRight(Opens in a new Window) page to learn more or begin the course.
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All Neighborhood Credit Union checking accounts feature:


Surcharge-Free ATMs

The Allpoint ATM Network allows our members the ability to withdraw cash at over 50,000 ATMs nationwide without charging an ATM fee.

Shared Branching

Easily access your accounts with over 6,100 nationwide Co-Op locations from which to do deposits and withdrawals in the lobby. 

Courtesy Pay

Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.

Want to compare our accounts side by side?

Click the "Compare Accounts" button to explore in-depth.
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MyNCU Mobile App

Use our award-winning app to manage your accounts, deposit checks, make transfers, and more.

Frequently Asked Questions

If you have a less-than-perfect banking history (which includes problems with ChexSystems or being denied a checking account at other banks), you may be eligible to open a Fresh Start Checking account at Neighborhood Credit Union to get a second chance at fixing your banking history. You will have full access to Online Banking, the MyNCU Mobile app, our membership benefits and convenience services, and would be eligible for courtesy pay overdraft protection after 60 days. 
Keep in mind that you have the opportunity to convert your Fresh Start Checking account to one of our free checking accounts after 6 months of satisfactory performance and completing the CheckRight course. 
Yes, the Fresh Start Checking account is available to qualified members after 60 days.
After six (6) months of satisfactory performance, you may be eligible to convert the Fresh Start checking account to another checking option. 
To be eligible to convert your Fresh Start checking to another checking option, you must:
  • 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.
¹Direct Deposit is required for Fresh Start Courtesy Pay. Courtesy Pay is available to qualified members after 60 days and overdraft fees apply. Please view the Courtesy Pay Guide here. See Rates & Fees page.