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Everyone deserves a fresh start — and we want to give you yours! We're pleased to offer our Fresh Start Checking account, a low-cost checking account designed for those who have had credit or checking account problems in the past.*

If you maintain a positive balance, sign up for e-statements, you may qualify for federally-insured checking — plus access to free, timesaving services. Meet a few additional qualifications and we'll upgrade you to Free Checking!

Account Requirements

  • Maintain your account in good standing*
  • No past charge-offs
  • Sign up for e-statements

Upgrade to Free Checking

*To maintain your account in good standing:

  • Member has an account with MountainCrest CU for at least 90 days
  • Member is age 18 or over
  • Member keeps or brings account to a positive balance at least once every 10 days
  • Member is current on all loans and obligations
  • Member has no past charge-offs that have not been fully recovered
  • There are no tax levies, garnishments, or other legal action taken against the accounts