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Fresh Start Checking

If you're not approved for our Regular Checking Account — fear not. We've got a fresh start for you.

Everyone Deserves a Second Chance

We know tough times may have prevented you from keeping your checking account in good standing. At Jersey Shore Federal Credit Union, we believe sometimes you just need a fresh start. Our Fresh Start Checking combines essential banking services with the necessary education to perfect your checking account management skills. 

Fresh Start Checking Features:

Graduate to a Free Checking Account

After twelve consecutive months with no Non-Sufficient Funds (NSF) incidents, and upon request, a Fresh Start Checking Account member can upgrade to our free Regular Checking Account.

Fresh Start Checking Requirements:

  • Member in good standing
  • $25 minimum opening deposit†
  • $15 monthly service fee taken on the last day of the month
  • Direct Deposit and Payroll Deduction may be required
  • Successful completion of our inbalance® Checking Account Management Education Program within 30 days of account opening with a score of 80 or above.

Checking Account Management Education Program

Our inbalance® Checking Account Management Education Program is a short online, self-study course that will teach you all the components of wise checking account management. You’ll complete a brief exam and the results will be emailed to you and the Credit Union. With a score of 80 or above, your checks and Debit/ATM card for your Fresh Start Checking Account will be ordered.

Open an Account Today!

Simply apply for a regular Checking Account. If you don’t qualify, a Member Service Representative will contact you to set up a Fresh Start Checking Account.

Member Service Representatives are available to answer any questions you may have at 609-646-3339 or 1-888-322-2848 toll-free and select option 2. Check our Call Center Hours for availability.

Direct Deposit & Payroll Allotment

Get access to your funds faster with Direct Deposit. Have all or a portion of your paycheck deposited directly into your Checking Account. Just provide your employer or payment office your Checking Account number and the Jersey Shore FCU routing and transit number: 231277440.

Once you have Direct Deposit, you can set up Payroll Allotment Service to automatically distribute your funds across your accounts as you designate. Just stop by any branch location or call 609-646-3339, Option 2 to set up Payroll Allotment.

†Refer to fee schedule for required monthly aggregate average daily balance of all accounts. Debit/ATM Card required for free Bill Pay. Learn how to avoid fees. Account approval pending the severity of your ChexSystems report. Fresh Start Checking Accounts will be closed for abuse and will be reported to ChexSystems.
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