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Fresh Start Checking Account

Don’t qualify for a traditional checking account?

If you’ve had some difficulty managing your money in the past, you have a chance to build up and improve your credit score and financial circumstances.

Not A Member?

Become A Member

View Member Eligibility Requirements

Current Members

Open An Additional Account

or contact us to upgrade your account today

 

Financial Guidance

Access to our Checking Account Management Education Program

Free Debit Card

Free Instant-Issue RRCU Visa Debit card with Visa purchase alerts1

Online Banking

Online and mobile banking make it easy to manage your money.

 

The Checking Account That Gives You More

Best For People who want to improve their credit score
Monthly Fee $10 maintenance fee
Dividends No
Minimum Balance $0

 

Not A Member?

Become A Member

View Member Eligibility Requirements

Current Members

Open An Additional Account

or contact us to upgrade your account today

 

More Fresh Start Checking Benefits

Access to RO$EY Telephone Teller

Surcharge-Free ATMs and ITMs in our Extended Network

Individuals with ChexSystems Reports Are Eligible

Account Management Features

Upgrade to Other RRCU Checking options after 12 Months2

RRCU Member Benefits, Products, and Services

 

1Activation required
2Maintain account and remain in good standing to upgrade to MembersChoice Premier Checking or any of our other checking products.

 

★★★★★

“Very helpful! Has jumped my credit score from extremely low [...] I’m super glad I did this”

- Chelsie

 

Fresh Start Checking Account FAQ

  • Do I have to be a member to open an account?

    Yes. But we’d love for you to join our Credit Union, and becoming a RRCU member is easy. You can apply online or visit one of our many branches.

  • What’s the difference between a credit union and a regular bank?

    Unlike a commercial bank, credit unions are cooperative, non-profit, and member-owned. With their roots in the community where its members work and live, credit unions are invested in your success.

    Credit unions are able to offer more individualized assistance to help you reach your financial goals.

  • Who is eligible to join RRCU?

    Membership is open to individuals who meet any of this criteria:

    • Live or work, go to school, worship, or regularly conduct business in one of the following areas:
      • Texas Counties: Bowie, Camp, Cass, Delta, Franklin, Harrison, Hopkins, Hunt, Lamar, Marion, Morris, Red River, and Titus

      • Arkansas Counties: Clark, Columbia, Union, Hempstead, Hot Spring, Howard, Lafayette, Little River, Miller, Nevada, Pike, and Sevier

      • Mississippi Counties: Quitman, Panola, Tallahatchie, Coahoma, Bolivar County (between East/West lines running six miles south of Mound Bayou and two miles south of Shelby)

      • Louisiana: Caddo and Bossier Parish

    Membership is also open to businesses and other legal entities located in any of these areas.

    • Relatives of current members
      • Spouse or child (including step-children and adopted children)
      • Sibling
      • Grandparent or grandchild
      • Step-relatives

    *Residents of Madison Parish are eligible. Residents of the City of Grambling are eligible (within a 10 mile radius of the Grambling, LA Post Office except the area which lies within corporate limits of the City of Ruston)

  • Can I use DeposZip with this checking account?

    Yes, account holders in good standing are able to take advantage of mobile check deposit service DeposZip, free of charge.

Not A Member?

Become A Member

View Member Eligibility Requirements

Current Members

Open An Additional Account

or contact us to upgrade your account today

 

See Our Other Checking Accounts

Not sure our cash back checking account is the right one for you? We have several other checking accounts designed to meet the needs of our members. See our Basic Checking, Fresh Start Checking, Teen Checking, and more.

Compare Checking Accounts

Questions? Click here to Contact Us.

Checking & Savings Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.

Lending Options To Meet Your Financial Needs

Not signed up for Online Banking? CLICK HERE, call us at 903-735-3000 / 800-822-3317, or visit a local branch to get started.