Fresh Start Checking Gives You a Second Chance!

Fresh Start Checking Account Features & Perks

Our Fresh Start Checking Account is ideal for members who may not be able to open a checking account due to past credit or banking history. 

  • Debit Card Get the freedom of having a Debit Card!
  • Low Cost Only a nominal monthly fee applies. See fees.
  • Account Access Full access to Online and Mobile banking 24/7/365.
  • Upgrade Option You may be eligible to upgrade in just 12 months!
Couple looking at finances together on computer
Young family check iPad together on couch
A financial comeback is possible!

Sometimes You Just Need a Second Chance.

Why let your credit stop you from taking control of your financial future? We want our members to thrive no matter what your current circumstances are. 

Three  Practical Budget Templates
3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand


Peach State FCU rocks!! My mother suggested I call PSFCU to see if the could assist me with building credit. They offered me a low balance credit card and now I'm on my way to building a good stable credit history!
- Paige B.
Peach State gave me a second chance when other financial institutions turned me down. They worked with me to patch up my finances, equipped me with the tools to better manage my finances and even helped me rebuild my credit. Thank you, Peach State Credit Union.
- Leah P.
The credit card fraud unit is tops. This is the only banking institution that I have dealt with that calls you immediately if there are concerns. This means PSFCU cares about your identity. PSFCU is the best.
- Beckye S.