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Fresh Start Checking
If you’ve had banking problems in the past and have been reported to ChexSystems, you may find it difficult to open a new checking account. Cyprus Credit Union offers a Fresh Start Checking program that is designed to help you improve your financial standing and create a fresh financial future.
How to Start?
- If you are not already a Cyprus member, determine if you qualify for membership.
- Apply online for your Fresh Start Checking account online or schedule an appointment at a branch.
- Fresh Start Checking accounts have an account-opening fee of $25 and a monthly fee of $5. The first monthly fee is required at account opening.
ChexSystems Report Criteria
- Record must be older than one year
- Maximum of 2 ChexSystems records where the total owed from both records is $500 or less
- If previous account was closed due to fraud or kiting, we will not open a new account
- If the record is from Cyprus, the record must be paid before we open a new account
- Terms and conditions are subject to change
Fresh Start Checking Restrictions:
- No check-cashing privileges, except for government or recognized payroll checks (although checks may not be cashed, they may still be deposited).
- No access to Privilege Pay
- No interest returns
- No access to Credit Union Service Centers (Shared Branching)
- No access to Mobile Deposit
Benefits of Fresh Start Checking:
- Free Visa Debit Card - Features access to our Card Control App
- Save Money - No deposit fees
- Home Banking - Manage your account 24/7 wherever you are
- Direct Deposit - Have funds automatically deposited into your account
- Bill Pay - Never miss another payment with our convenient bill pay system
- eNotify - Always be in the know about your account with alerts via email or text
- Fair Credit Foundation - Receive guidance with creating a spending & savings plan, getting out of debt, building credit, avoiding foreclosure, increasing assets, and improving your financial future.
- Financial Counseling Tools - Receive help with all of your financial questions
The rail navigation utilizes arrow, enter, escape, and space bar key commands. Left and right arrows expand / close menus in sub levels. Up and Down arrows will navigate through top tier links. Enter and space opens menus and escape closes them as well. Tab will move on to the next part of the site rather than go through menu items.
The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors.
If you use these links, you will leave the Cyprus Credit Union web site.
The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.
If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.
If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
You are about to send an e-mail message to Cyprus Credit Union or to one of our partner associations.
Please do not send any personal financial information via Email.
E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.
Please do not send any personal financial information via Email.
E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.
