Second Chance Checking

At Fairfield FCU, we believe in second chances. We’ve designed our Second Chance Checking Account to specifically fit the needs of our Members who have had a previous history with Chex Systems. While this account is non-interest bearing, it will provide the conveniences you need while you work toward regaining your financial freedom.


  • No minimum balance
  • Online Banking with Bill Pay
  • Online Statements
  • Visa  Debit Card
  • Direct Deposit

While the account does incur a $10.00 monthly service charge, Members are eligible for an upgrade to our regular checking product after 24 months of successfully maintaining the Second Chance Checking Account.

Second Chance Checking Account requirements include:

  • Must be at least 18 years of age
  • Must  also have a Share savings account
  • No past fraud activity or balances owing on Qualifile ChexSystems
  • No balance due to a FFCU charge-off
  • No current delinquency with FFCU

Debit Cards with No Monthly Usage Fee

Stop paying monthly fees to use your debit card! With a Fairfield FCU Checking account you are free to use your debit card as often as you wish without any additional fees. Open your Checking account today and sign up for your free debit card today!