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FRAUD ALERT:  Members have reported receiving phone calls from scammers acting as our Fraud Department, asking for card numbers, PIN numbers, and secure access codes. As a reminder, we will NEVER ask you for this information. If you’re in doubt, hang up and call us at 540-663-2181.

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Renew Checking


Renew Checking Accounts

Life happens, we get it!

Second chances can be hard to come by, but not with us.

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Say hello to your fresh start.

With our Renew checking account, you can have the second chance you deserve. If opening a checking account is hard due to past charge-offs, you may qualify for this second chance checking account.

Free check card with Scorecard® rewards

Free online banking and app access

Eligible for an upgrade after 1 year in good standing*

The fine print:

  • $10 monthly fee
  • Only a $1 opening deposit, with no minimum balance requirements!
  • *Account is active and kept in good standing before the member can convert into a regular checking account. 
  • To qualify, you must have no more than ONE charge-off from another financial institution that's $500 or less.
  • Current members qualify for this account if their account has been charged off and satisfied twice.


We get it, stuff happens!

We're here to support our members in every way we can, so we're giving those who need it the opportunity for a fresh start. If you've had one charge off at another financial institution, a lot of banks and credit unions won't give you the opportunity to have a checking account again. Not us! With a Renew checking account, you'll have the opportunity to thrive and grow financially. After a year in good standing you can even upgrade your account to a regular checking account with us. Be sure to set a calendar reminder for a year after opening your account to give us a call so we can upgrade your account for you.

Not confident in your financial literacy skills and want some help? Our financial educator, Lauren Polen, is here for you. 

Financial Education

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Ready to take the next step toward your fresh start?

It’s time to apply for a Renew Checking account. Contact us with any questions or book an appointment to open your Renew checking account.




View our Funds Availability Policy Disclosure.