Fresh Start Checking

Fresh Start Checking provides the tools you need to manage your money responsibly while establishing a positive banking relationship.

To open the account:

• Available for individuals with a credit score of 619 or below
• A $100 cash deposit is required and will remain in the account for the first 24 hours

Because we instantly issue debit cards before you leave the branch, the 24-hour deposit ensures any immediate purchases are covered and helps prevent accidental overdrafts.

Important Account Guidelines

To promote strong financial habits and protect your account:

• All checks — including payroll and government checks — are placed on a 10-business-day hold
• Members are expected to maintain the account in good standing
• No returned checks
• No overdrawn balances

These safeguards are designed to create stability while you rebuild.

Fresh Start Checking isn’t permanent — it’s a stepping stone.

After one full year in good standing, including:

• No returned checks
• No overdrawn accounts
• A credit score of 620 or higher

You become eligible to transition into one of our standard checking accounts.

That’s right — this account is built with a graduation plan in mind.

Ready for a Fresh Start?

If you’re ready to take the next step, visit a WinSouth branch and speak with a team member today. We’ll walk you through the process and help you start building toward a stronger financial future.

What You’ll Need

Before you begin, you'll need the following documents:

• Government-issued photo ID (Driver’s License, Passport, or State ID)

• Social Security Number or Tax Identification Number

• Proof of address (utility bill, bank statement, or lease agreement)

Your fresh start begins here.