Fresh Start Checking

Build Your Financial Confidence

looking for a checking account that will help you grow?

If you need a little help getting back on your financial feet, Fresh Start Checking is a perfect fit for you! Designed to help rebuild or re-establish credit, this account will help you gain the financial confidence you need.

No minimum balance requirement
Automatic overdraft protection
Free Visa debit card
Unlimited check writing
Low monthly cost of $6.95

Open Your Account

learning & guidance

checking account resources designed for you

overdraft protection

With Courtesy Pay, your transactions are covered - even if you don’t have the available funds in your account. Think of it as an additional safety net!

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card controls

Stay in control of your Charlotte Metro debit card. Activate, freeze, block, report lost or stolen, and order a replacement card from your computer, smartphone, or tablet.

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budgeting guide

Want to get a good handle on your monthly budget? Follow these simple 8-steps to create a budget and find a few extra bucks to stash away!

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Let's Get Started

how to open your fresh start checking account

i'm a member

Want to open a new account?

As a Charlotte Metro member, you can open a new checking account by submitting this form and a representative will be in touch on or before the next business day to get you all set up!

Submit the Form

i'm new here

Here’s what you’ll need to get started:

Proof of Identity (current driver’s license or state-issued ID)
Social Security Number
A minimum opening balance of $5 to open your Primary Savings account (Why $5 >)
The routing number and account number of a valid checking account, debit, or credit card

Open Your Account