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Fresh Start Checking

Rebuild your finances with this second chance

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Fresh Start Checking

Online & Mobile Banking

VISA® Rewards Debit Card

Overdraft ProtectioN Coverages

Member Benefits

Additional Features

Fresh Start Checking

Things unique to this account

  • For members with bad credit or reported to ChexSystems or TeleCheck (fraud excluded)
  • Less fee-intense than other checking alternatives
  • Minimum $100 balance
  • $20 account opening fee
  • $7 monthly fee ($4 with average daily balance of $750+)
  • Does not earn monthly account balance dividends
  • Does not allow free access at CO-OP shared branch locations
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Online & Mobile Banking

Banking wherever, whenever

  • Mobile App
  • E-Statements
  • Automatic Bill Pay
  • Money Desktop Tools
  • Mobile Deposit
  • Zelle® Payments
Online & Mobile Banking

VISA® Rewards Debit Card

Earn 1 point for every $4 spent

  • VISA® Reward Points Program
  • Free account access at over 30,000 ATMs
  • Smart Cents Roundup Savings
  • Debit Card Design Options
  • Instant Issue Cards Printed In-Branch
  • CardNav® Manager App
  • Unlimited Debit Card Transactions

Overdraft Protectio Coverages

3 options to choose from

Overdraft Line of Credit
Courtesy Pay
Automatic Transfer from savings account

Member Benefits

Rewards & dividends for you

  • End-of-Year Member Dividend Rewards
Member RewardsCurrent Offers

Additional Features

Even more that comes standard

  • Options for Payroll Direct Deposit
  • Free account access at over 30,000 ATMs
  • Utah-based Contact Center for phone support
  • Federally insured by the NCUA
Contact Us

Everyone is in need of a fresh start at some point. This was true for me after I went through a financially challenging period in my life. A good friend told me that American United is known as a place to go for second chances. Thank you for helping me take control of my finances and get back on track.

American United FCU Member

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Checking Account Rates

Rates up to date as of July 4, 2024. Rates subject to change without notice.

Account TypeDividend RateAnnual Percentage YieldMinimum BalanceBalance to Earn Monthly Dividends
Primary Checking0.050%0.050% APY$0$500+
GoldStar® Checking10.100%0.100% APY$0$500+
Business Basic Checking0.050%0.050% APY$0$500+
Business Premier Checking0.200%0.200% APY$0$500+
ATM Checking2$0
Fresh Start Checking2$100
Empowered Checking3$ 0

APY = Annual Percentage Yield. Membership required, on approved credit, and rates subject to change at any time without notice. Credit union deposits are federally insured by the NCUA.
1. Additional requirements apply for GoldStar® membership.
2. Checks are not allowed on ATM or Fresh Start checking accounts.
3. Must be referred through BankOn for Empowered checking accounts.


  • Borrow funds using your savings as collateral
  • Terms up to 120 months
  • No loan fees
  • Quick & easy approvals
  • Earns End-of-Year Member Reward Dividend
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