Do you feel like you’ve hit a financial roadblock? We all need a fresh start from time to time. Capital Credit Union designed the Fresh Start Checking account with that in mind. If you feel like you need a fresh lease on your finances, this checking account could be the one for you.
At CCU, we believe everyone deserves a second chance. To make the most of that, we empower you with the financial tools and knowledge you need to succeed.
Whether you have a low credit score, are strapped by high-interest debt, or have experienced other financial setbacks, a Fresh Start Checking account can put you back on the path toward financial success. So, let’s hit the reset button on your finances. The first step of your financial future begins with the action you take today.
Account Features
Short on cash? Fresh Start Checking gives you some breathing room. While some checking accounts may require a large opening deposit, you can get started with Fresh Start Checking for as little as $1.
Plus, the monthly service fee is waived for the first month to give you some time as you chart a new path toward financial freedom. After the first month, you’ll be charged a low monthly service fee of just $8. For less than the monthly cost of many streaming services, you’ll be able to regain control of your finances.
Make convenient everyday purchases with your Fresh Start Checking debit card. Enriched transactions help you stay on top of your finances by providing key information, such as the merchant’s name, location, and contact details. Plus, product recommendations and special member offers help you achieve your financial goals.
Confidently manage your money with a full suite of digital banking tools. Real-time alerts and purchase-control preferences allow you to manage cards on the go for greater peace of mind. Balance alerts, for instance, notify you as soon as your balance crosses set limits. Need to get better at staying on budget? Review spending by category so you can understand whether you’re on track and where you may need to cut back. You’ll also have access to your account 24/7. Check balances, make payments, and deposit checks whenever you need.
Our credit score monitoring tool also helps you keep an eye on your credit and gives personalized tips to boost your score.
Perks and Benefits
We created Fresh Start Checking to be the start, not the end, of your financial journey. CCU rewards members who establish a proven track record.
For instance, once you reach 12 consecutive months of positive checking account management, you may qualify to open one of our other checking accounts. Each features its own unique rewards, like cash back on purchases, high-yield interest rates on qualifying balances, or a monthly credit on streaming services.
Just by being an account holder at CCU, you gain access to other credit union benefits as well:
Educational Tools
CCU provides a wealth of financial education classes and online resources so that you stay informed along your path to financial freedom. Check out some of our upcoming classes to see if there’s a topic that interests you or browse our list of online resources.
You can take our short survey to create your personalized playlist of educational tools. These quick lessons can be completed at your convenience and are an excellent way to gain the confidence and know-how to achieve your financial goals.
Banking Resources for Kids
The whole family can get in on the fun and take advantage of the perks and benefits that come with your CCU membership. Once you become a member, you gain access to Greenlight®, our all-in-one app for families. Set your kids up for financial success by teaching them about money management from an early age.
It’s easier to be more financially responsible when the whole family is on board. You’re already modeling good financial habits with your Fresh Start Checking account. Why not go a step further? The Greenlight® money app helps you pass on those habits by teaching kids financial literacy through interactive games and hands-on experiences.
Greenlight® also helps you encourage your kids’ smart spending habits. For instance, you can sign them up for a debit card of their own. Then, with parental controls, you set spending limits and monitor their purchases to help your kids learn to manage their money wisely.
Next Steps
Whether you’re looking to build credit, are on a tight budget, or simply want to start over with a clean slate, our Fresh Start Checking account could be an excellent option for you. To be eligible for Fresh Start Checking, you simply need to become a member of CCU.You qualify for membership if you live, work, attend school, own property, or run a business in certain counties of Wisconsin. Relatives of CCU members are also eligible to join, as are employees of Goodwill® of North Central Wisconsin.
Meet the criteria? Apply online and open your membership savings account along with your Fresh Start Checking account in just minutes.
Becoming a member is quick and easy, and you’ll instantly gain access to exclusive membership benefits and discounts. From deals on sporting events to savings on tax products, there are plenty of ways to save money year-round.
Plus, when you join CCU, you don’t simply join a credit union. You’re joining a community of people who live and work alongside you. Our team is committed to helping you achieve your financial goals, whether it’s paying down debt or realizing your dream of home ownership.
A fresh start provides the opportunity to start anew. Kickstart your financial journey with Fresh Start Checking and unlock the rewards an empowered financial future has in store for you.