Fresh Start Checking


Everyone deserves a second chance! Fresh Start Checking gives Kern members who qualify a chance to establish a solid checking history.

Just keep up with the monthly service charge a good checking account history and after 1 year, you may be eligible for our Free Checking. Take the step toward a more financially independent future.

  • "Second-chance" checking is designed for those who wish to re-establish a good checking account history*
  • Outstanding balances on delinquent checking accounts from other financial institutions must be paid in full.
  • No minimum balance requirement
  • $20 monthly service charge
  • 12 month transition period
  • After 12 months of satisfactory performance, you may be eligible to upgrade to one of our free checking accounts
  • Free mobile banking
  • Free online banking & bill pay
  • Free MasterCard® debit card
  • Free E-Statements
  • $25 minimum deposit to open

*Eligible members who have had non-sufficient fund (NSF) activity with derogatory history reported to Chex Systems. All account applications are subject to internal review and approval.