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Fresh Start Checking
If you've had banking problems in the past and have been reported to ChexSystems, you may be finding it difficult to open a new checking account. Cyprus Credit Union offers our Fresh Start Checking program that is designed to help you improve your financial standing and create a fresh financial future.
How to Start?
Apply online or schedule an appointment at any of our branches. There is a $25 account opening fee as well as a monthly fee of $5. Deposit your payroll and/or Government checks and you can begin utilizing your Fresh Start checking account immediately.
After 12 consecutive months with no 'non-sufficient funds' (NSF) fees, you may request for Cyprus to convert your account into a traditional Cyprus checking account.
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 Government or known payroll)
No privilege pay
Will not earn interest
No Credit Union Service Center access
No mobile deposit
Benefits of Fresh Start Checking:
Visa Debit Card - Features no credit limit
Save Money - No per-check charge fees
Home Banking - Manage your account from wherever you are, 24/7
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.
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.
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Please do not send any personal financial information via Email.
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