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Fresh Start Checking Account

Fresh Start Checking is for members looking to rebuild or reestablish positive checking account history. If you’ve been denied a checking account at another financial institution, Fresh Start Checking may be for you.

Fresh Start Checking Account includes:

  • No minimum balance
  • Unlimited check writing
  • eStatements
  • Debit Card
  • Free Online Banking
  • Financial Education
  • Low monthly fee
  • After 6 months, members can apply to convert to a our basic Checking Account or one of our Reward Checking Accounts

Low Monthly Fee

There will be a $5.00 monthly fee assessed with the Fresh Start Checking Account.

Financial Education

During the 6 months, you need to complete the CheckRight program which focuses on the responsible management of a checking account. This is a requirement in order to apply for a standard checking account.

~ You will need to create an account with GreenPath Learning Lab+
~ Once you create an account make sure to select United Financial Credit Union as your Partner Credit Union
~ Then select the course CheckRight, complete the course.
~ Once completed make sure to send us a copy of the certificate

Click here to complete the CheckRight course

No Per Check Charges

Unlike some institutions that allow so many free and then start charging per-check over a certain number, United Financial lets you write as few or as many and it doesn’t matter.

Free Monthly Statement

There is no monthly statement-processing fee. We will send you a statement of your Checking account free every month.

Debit/ATM Card Access

Your Checking account and Debit  Card go hand in hand. In fact, you will need a United Financial Checking account in order to use the Debit Card for debit transactions. Click Here to OPT IN for Overdraft Services

Balance Your Account with United Financial Virtual Branch Online Banking

United Financial Virtual Branch and U.S.24 Telephone Teller will give you the status of your account 24 hours a day, 7 days a week. You can transfer funds between accounts to cover checks or debits, monitor recent activity, and even reorder checks online. It’s a great compliment to your United Financial checking account!

IDProtect ®– Identity Theft Protection Service

Personal checking accounts at United Financial include IDProtect®– Identity theft monitoring and resolution service for you, your joint account holders, and eligible family members1 for a low monthly fee of $1.99.

1 IDProtect service is a personal identity theft protection service available to personal checking account owner(s), their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.