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Fresh Start Checking

Checking Accounts

Free Checking Premium Checking
Fresh Start Checking

If you’ve been reported to ChexSystems, we may be able to help. If there is no fraud involved, this is the account for you:

  • $100 to open
  • Low $10 monthly service charge
  • No ChexSystems record for past 12 months
  • If no NSFs or returned deposits for the first 12 months that you have this account, your account will be converted to a Free Checking account
  • NSFs or returned deposits may close the account
  • ATM Card
  • Unlimited fee-free ATM transactions at MCCU or over 30,000 NO-FEE CO-OP ATMs.

Qualifying for a Fresh Start Checking Account after being reported to ChexSystems is easy

Complete the online course on checking account management called InBalance (click the graphic below to take the quiz). This program will teach you the fundamentals of checking accounts - so you can avoid future problems and establish a positive, long-term relationship with MCCU. The credit union will be notified of your results. If you do not have online access, we can provide you with a hard copy of the course. If you use the hard copy course, please bring us your exam results to qualify for the account.

Click on the logo to take the quiz:


The course teaches you key concepts for maintaining a well managed checking account including information on:

  • Checking account fundamentals
  • Chexsystems and credit bureaus
  • Smart money management
  • Preventing checks from being lost or stolen
  • Using ATM/Debit cards wisely
  • Understanding check types
  • How to write and endorse a check
  • Stop payments
  • Reconciling your account
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