FRESH START SPENDING ACCOUNT

A second chance to move forward — with real financial tools

Everyone deserves the opportunity to rebuild and move forward. That’s why Alpine Credit Union offers the Fresh Start Spending Account — a supportive, judgment-free option for members working toward stronger financial footing. If you’ve experienced past banking challenges, this account is designed just for you.

What Fresh Start Checking Offers

  • A New Beginning – A chance to open a checking account again
  • No Minimum Balance Requirement – Flexibility as you rebuild
  • No Annual Fee – Includes a FREE Alpine Visa® Debit Card
  • Unlimited Transactions – Write checks and use your card freely
  • Online Banking & Free Bill Pay – Stay on top of your finances 24/7
  • Mobile App Access – Available for iOS and Android
  • Visa® Card Controls – Manage your debit card from your phone

How It Works

  • A $7 monthly administrative fee applies to all Fresh Start accounts
  • Check holding policy applies based on verification:
    • Verified checks: 2-business day hold, $275 available next day
    • Unverified checks: 6-business day hold, no next-day availability (per Reg CC)

Build Toward a Better Future

  • After 12 months of positive account history, you may become eligible to apply for a different Spending Account option and enable Courtesy Pay Protection along with Mobile Deposit
  • All Fresh Start accounts are subject to underwriting and must be opened in person at your local Alpine Credit Union branch

READY TO GET STARTED?

Let’s start fresh — together. Visit your local branch today and speak with a member representative.

Become A Member
Call or Text: 801-225-0256
Visit A Local Branch

*Fresh Start Spending Accounts are not eligible for Courtesy Pay Protection or Mobile Deposit. Check hold policies follow federal Regulation CC guidelines. Terms and conditions apply. Membership and eligibility required. Alpine Credit Union reserves the right to modify or discontinue services at any time. Please contact your local branch for full details.