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Fresh Start Spend Account


Do you have less than perfect credit? Maybe some difficulty getting a checking account? Cash management issues?

It’s time to turn your sour habits into something sweet with a Fresh Start Spend Account!

Access the many conveniences of a FirstLight account and the tools for your financial success!

Even sweeter, you can earn a $50 incentive!* Let us help you improve your life and achieve your dreams. 




It’s all about A New Me! Check out all Fresh Start features below:

  • VISA® Debit Card with Purchase Rewards
  • Access to over 100 local and nearly 30,000 nationwide no-fee ATMs** (no check deposit)
  • Access your account nationwide through any CO-OP, AFFN or NYCE networks.
  • 24/7 account access with telephone, online, and mobile banking services
  • Track Finances with Finance Manager
  • "Lite Counselor" to help you navigate your new account and graduate to the next level
  • Free Financial Guidance and Services


  • Complete 6-month Program
  • Set up Direct Deposit*
  • Sign up for e-Statements*
  • Use your debit card to make at least 10 purchases*
  • Complete Financial Literacy Courses
  • Satisfy the monthly fee of $20 for six consecutive months
  • Avoid Overdrafts, NSF Fees, and Returned Checks

After completing the above for 6-months, you will earn a $50 Graduation Credit.

Additional Features Available After Account Graduation

Mobile Check Deposit
Deposit checks quickly with your mobile phone that complements your on-the-go schedule. No need to go to the branch.
External Transfers
Allows you to easily move money between your accounts with us and other financial institutions.
Send money directly to anyone with no need to write a check, exchange account numbers or carry cash.
Bill Pay
Say goodbye to stamps and envelopes and pay bills in a safe, convenient, and easy way within online banking. 

Membership eligibility requirements apply. Fresh Start Spend Account has a $20 monthly service fee until graduation requirements are met. Not all accounts earn the graduation credit, refer to Fresh Start Spend Account disclosure for details. Contact us for the full disclosure. Data rates may apply for use of additional account services. Federally insured by NCUA.*Must meet requirement within 6 months in order to qualify for $50 graduation credit. **No fee ATMs include CO-OP Network only.