Fresh Start Spend Account

Smart Money Management Tools

Enjoy the security and convenience of direct deposit, debit card access, online and mobile banking, account alerts, and budgeting tools that help you stay on top of your money.

Low Cost. No Surprises.

A simple, transparent monthly fee, so you can spend with confidence and avoid unexpected setbacks.

Financial Wellness Support

Access free financial counseling and education programs to help you learn, grow, and make informed decisions that set you up for long-term success.

Visa® Debit Card

The convenience of a credit card with the security of a check

ATM Access

Access to over 100 local and 33,000 nationwide no-fee ATMS through Valera, AFFN, or NYCE Networks. ²

24/7 account access via online and mobile banking

Finance Manager

Track your finances

Financial Counselors

Financial counselors to help you navigate your new account and graduate to the next level.

When life gives you lemons, get a fresh start with FirstLight.

Requirements

Set up Direct Deposit
Sign up for e-statements
Use your debit card for at least 10 purchases*
Complete two (2) Financial Literacy courses: Checking Account Management & Money Management.
Engage in three (3) LITE Discussions with one of our friendly representatives. Topics include: Debit Consolidation, Credit Rebuilder, Secured Loans, Budgeting Tools, Online Banking, Direct Deposit, Signature Loan, Savings Goals and Revolving Line of Credit.
Satisfy the monthly fee of $20.00 for six (6) consecutive months.
Avoid overdrafts, NSF fees, and returned checks.

After completing the requirements, you will earn a $50.00 graduation credit.

To learn more about Balance CLICK HERE.

Questions: 800.351.1670 or stop by any of our engagement centers.

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.

Disclosures

¹ 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.

² No fee ATMs include CO-OP Network only.