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Fresh Start Banking  

Safe and Affordable Banking Products

First Step Alliance works in partnership with reentry and other community organizations to offer a Fresh Start Banking Program to justice-involved individuals. The program features access to safe and affordable banking and credit-building products. All information and account opening tools are available through a secure online portal, with additional support and guidance from call center representatives. We offer this program through our membership relationship with Element Federal Credit Union, a federally-chartered credit union.

About the Program


  • Low-cost, no-minimum checking account  

  • Direct deposit of paycheck 

  • Prepaid or regular debit card

  • Secured credit card – rebuild credit

  • Credit Builder loan – build credit & save for the future 

  • Online & mobile banking

  • Fee-free CO-OP ATM network

  • Apple, Google & Samsung Pay

  • eDeposit - deposit checks electronically

  • Call center support from knowledgeable credit union employees 

"Success is not final; failure is not fatal:

It is the courage to continue that counts.”

Winston Churchill

For more information, or if you are interested in becoming a partner organization, please contact us directly.