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?


Hand holding credit score

Green Check

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

Red Check

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 with a hold).
  • No interest returns

Benefits of Fresh Start Checking:

  • Free Visa Debit Card - Features access to our Card Control App
  • Save Money - No deposit fees
  • Home Banking/Mobile 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

Home Banking

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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.
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