Fresh Start Checking Gives You a Second Chance!

Fresh Start Checking Account Features & Perks

Our Fresh Start Second Chance 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 Second chance banking with the freedom of a Debit Card!
  • Account Access 24/7 access to your second chance bank account with Online and Mobile banking.
  • Low Cost Only a nominal monthly fee applies. See fees.
  • Upgrade Option You may be eligible to upgrade in just 12 months!
Couple looking at finances together on computer
decorative chevron pattern
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


Friendly, hometown felling, caring, great service, and wonderful management.
- Archie C.
Peach State gave me the opportunity to open an account regardless of my credit history. This gave me a chance to get my finances in order. I am forever thankful! 

- Amanda F.
I have always received prompt and courteous help, both in person at my local branch and over the phone. Everyone I have had dealings with from getting a car loan to opening a credit card to individual tellers has been helpful and pleasant!
- Sarah Y.

Frequently Asked Questions

These are a few of the commonly asked questions about Peach State.
For even more FAQs, check out our Member Knowledge Base.
Member Knowledge Base