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Second Chance Checking¹

An account designed to help you make a financial comeback.

Life happens, and sometimes bank accounts take a hit. Credit Union 1 is here to help you bounce back stronger than ever. CU1’s Second Chance Checking1 offers you another shot to get your finances on track. With no monthly fees and no minimum balance requirements, Second Chance Checking1 can help you develop strong money habits and take the next step on your financial journey. Plus, if you successfully maintain a Second Chance Checking1 account for 12 months, you become eligible to transition to CU1’s Free Checking2 or High Yield Checking.3 Start building a brighter financial future one transaction at a time.

Get on Track with CU1 Second Chance Checking1

Get Paid Sooner

Members with direct deposit to a CU1 Checking Account get paid up to two days sooner with CU1 Early Pay4, no special steps required.

Budget Better

Manage your personalized dashboard in Digital Banking, where you can track spending, set up alerts, and track progress toward your money goals.

Spend Securely

Receive a CU1 Visa® Debit Card with chip technology. Plus, lock your card any time with advanced card controls in the mobile app.

Set Up for Savings

Round It Up makes savings a no-brainer by rounding purchases up to the next dollar and sending the change to your savings.

 

Make Mobile Deposits

Easily deposit checks through the CU1 Mobile App. Plus, easily transfer funds between accounts through Digital Banking.

 

Pay Bills Quickly

With free Online Bill Pay through Digital Banking, pay a one-time bill or set up AutoPay to ensure your important bills always get paid on time.

Build Money Skills with CU1 Financial Wellbeing

Everyone is different, and that impacts how you handle money. With CU1 Financial Wellbeing, simply answer a few quick questions and the platform will build a personalized action plan to enhance your money management skills. CU1 Financial Wellbeing is free for all CU1 members! When you sign up, you gain access to:

  • Financial recommendations tailored to you
  • Suggested content on everything from budgeting to saving for retirement
  • An analysis of your money personality
  • Video tutorials with easy, everyday money tips and tricks
  • In-depth financial courses with progress tracking
  • And more!

Sign up and start learning in less than 10 minutes.

Online

A simple, self-service option to open your Second Chance Checking account quickly, at your convenience.

In Person

Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.

Have Questions?

Our Member Solutions Specialists are available to answer questions over the phone Monday through Friday, 9:00am - 6:00pm CST.

24/7 Banking Access

CU1 wants you to have your money at your fingertips, wherever you go. When you become a member, you can expect a modern experience that makes everyday banking a breeze.

CU1 offers:

  • A Highly Rated Mobile App
  • Personalized Digital Dashboard
  • Advanced Card Controls
  • Digital Wallets
  • Online Bill Pay
  • Easy Digital Transfers

Learn More

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Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals. Learn More