Fresh Start Checking is designed to help members rebuild their credit. We understand that bad things can happen to our members. We believe that everyone deserves a fresh start. This account can be opened even if the ChexSystem report shows they have unpaid balances at other financial institutions. (No more than 3 unpaid closures).Financial Counseling and Advice offered. Ongoing financial literacy is available and offered to Fresh Start members through the BALANCE™ Program.No check digit is distributed and no checks are ordered. However, members with a Fresh Start account will have a debit card for the account.Proper check cashing and handling policies will be strictly followed. This is due to the high risk assumed by the credit union on these types of accounts.Fresh Start is a stepping stone account. If the account is held in good standing and the member pays the balance owed to other financial institutions, they will qualify for a Basic or Regular Checking account, depending on their credit score.