Fresh Start Checking Gives You a Second Chance!

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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!

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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.

Rebuild your financial history, and get your finances and goals back on track.
Take advantage of our free financial education tool BALANCE Financial Fitness.
Get the support you need by contacting a member of our team.
Get a free credit report at AnnualCreditReport.com

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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

Testimonial

Share Your Story

Staff is always friendly and the credit union offers a lot of different services that are beneficial for the members.

- Khaneisha W.

It's still a personal bank. They know my name and I know theirs. They understand who I am, my lifestyle, and always treat me with honesty and respect.

- Charles K.

Credit union staff have always been very polite, helpful, and responsive to my needs.

- Janet H.

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.

Joining Peach State is easy! Once you’re ready to open an account, explore the documents you will need.

Ordering a new card is easy. You can either give us a call or visit any Peach State branch location. If you think you may be a victim of fraud, contact us immediately.

Does budgeting really work?

Yes, the benefits of budgeting are far and wide and, it doesn't have to be difficult! Explore how to budget even during uncertain times.