Who says there are no second chances?

Our Fresh Start Checking is ideal if you have less-than-perfect banking history. If you’ve been denied a checking account in the past, this is the ideal account for you. Fresh Start Checking provides the ideal opportunity to rebuild your financial history and gain additional rewards and account features after six months of good account management.

Who says there are no second chances? Get a fresh start with First Service Credit Union.

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Fresh Start Checking Features

No Minimum Balance

Open your account with $1 and enjoy no minimum balance requirement.

Free Visa® Debit Card

Make secure purchases worldwide and everywhere Visa’s accepted.

No Limit on Number of Transactions

Use your card as many times per month as you want with no extra charge.

Free eStatements

Receive your statements electronically for quick access.4

Low Monthly Fee

Pay just $9 a month for your checking account.

Upgrade Your Account after 6 Months

After six consecutive months with no overdrafts and a continuous direct deposit, your account can be reviewed and converted to a High Yield Checking or Free Checking with Debit Rewards account. If your account is upgraded, you'll also become eligible for our Courtesy Pay program.8

Bank Your Way

All First Service checking accounts give you the convenient tools you need to manage your account — anytime, anywhere.

Overdraft Transfer

Overdraft Transfer creates an extra line of defense for your checking account by linking it to a savings account or line of credit. If you accidentally overdraw your checking account, we’ll automatically transfer the needed funds from your linked account to cover the transaction.7