Free New Beginnings Checking

We believe in helping our community and because of that, we are proud to offer free New Beginnings checking accounts.

Sometimes referred to as second-chance checking or checking accounts for bad credit, these checking accounts are specifically designed to help our community members with a history of bounced checks, unpaid fees, or account closures which has negatively impacted their banking histories.

At Adirondack Regional Federal Credit Union, we don’t let your past banking determine your financial future. We are here to help you get the assistance you need.

How Does Free Second-Chance Checking Work?

These checking accounts work just like personal checking accounts but they monitor your overdraft activity differently. Achieve just 5 or fewer overdrafts in a 12-month period and you’ll be eligible to move to free personal checking.

Bad Credit is Not the End of the Road

From second-chance checking to personal loans, Adirondack Regional Federal Credit Union members have access to a variety of services for those who may not have the best credit. And, we have onsite financial counselors to help provide personalized guidance for improving your credit. Remember, bad credit history is not the end of the road. Visit us in Tupper Lake, Plattsburgh, or Potsdam and start your journey to better financial health.

Need to Reorder Checks?

Simply stop into your local branch to order checks quickly and easily. Don’t have time to make the trip to the bank? Feel free to give us a call. We can take your order over the phone.