Second Chance Checking
Need a fresh start at banking? Our Second Chance Checking Account is designed to help you re-establish positive checking history while keeping things simple and affordable. Available to members across the Downriver community, this account makes it easy to rebuild your finances with confidence.
Why Choose Second Chance Checking at Community Focus FCU
- Open with just $25
- No per-check fees and no minimum balance requirements
- Free Debit/ATM Card for everyday spending
- Debit card controls with CardCentral
- Access to 30,000+ surcharge-free ATMs across Michigan and nationwide
- Online & Mobile Banking to track your spending anytime
- Direct Deposit to get your paycheck faster
Rebuild Your Checking History Locally
As your neighborhood credit union in Downriver, Michigan, we’re committed to helping members take control of their finances. Whether you’ve had challenges in the past or simply want a clean slate, Second Chance Checking gives you the tools and support you need—close to home.
Second Chance Checking – Quick FAQs
Q: What is Second Chance Checking?
A: It’s a checking account designed to help members rebuild or re-establish a positive banking history while keeping things simple and affordable.
Q: How much do I need to open the account?
A: You can open Second Chance Checking with just $25.
Q: Are there monthly fees or minimum balance requirements?
A: No. There are no per-check fees and no minimum balance requirements.
Q: Do I get a debit card?
A: Yes. You’ll receive a free Debit/ATM Card for secure, everyday spending.
Q: Where can I access ATMs?
A: You’ll have access to 30,000+ surcharge-free ATMs across Michigan and nationwide.
Q: Can I manage my account online?
A: Yes! With Online & Mobile Banking, you can track spending, transfer money, and manage your account anytime.
Q: Can I set up Direct Deposit?
A: Absolutely. Direct Deposit makes it easy to receive your paycheck faster.
Q: Who is Second Chance Checking designed for?
A: It’s ideal for members who’ve faced banking challenges in the past and want a fresh start with the support of their local Downriver credit union.