Vantage Credit Union in Missouri created Fresh Start Checking and will be able to give you that second chance at a checking account.
To be eligible you must be 25 years of age or older. One your account is opened you will get free online banking with free Bill Pay, a Visa check card and
unlimited check clearings and you can apply for overdraft protection. There is no minimum balance to hold in your account.
There are some restrictions to this type of account such as no courtesy pay overdraft service, no ATM deposits, deposits limited to Direct Deposit/ACH, cash, and account transfers only.
There is also a $12/month standard monthly service charge, $11/month if you have Direct Deposit, an ACH debit OR a monthly auto transfer to savings of at least $25.00, $10/month if you have Direct Deposit, an ACH debit AND a monthly auto transfer to savings of at least $25.00.
You will be eligible to request a move into Basic Checking after 12 months of active use as long as there are no more than 6 NSF overdrafts in a 12-month period, and NO NSF overdrafts in the 3 months prior to eligibility.
They have the following branch locations in Missouri:
11915 St Charles Rock Rd Bridgeton, MO 63044
1077 Cave Springs Blvd. St. Peters, MO 63376-6432
601 Greenway Chase Florissant, MO 63031
29 O'Fallon Square O'Fallon, MO 63366
9200 Olive Blvd. Olivette, MO 63132
4545 Lemay Ferry Road St. Louis, MO 63129
3860 S. Lindbergh Blvd. Sunset Hills, MO 63127
1330 YMCA Dr. Festus, MO 63028
1033 Armory Rd Warrenton, MO 63383
1750 Wentzville Parkway Wentzville, MO 63385
16260 Truman Blvd. Ellisville, MO 63011
11654 West Florissant Florissant, MO 63033
Main phone number: 314.298.0055