Fresh Start Banking

What is Fresh Start Banking?

If you have been turned down for a regular checking account, Fresh Start Banking is here for you. For over 150 years, we at JVB have made it a priority to provide all the financial services that our community needs. Second chance banking is just one way we are committed to serving our neighbors. JVB’s Fresh Start Banking Program includes Fresh Start Checking and Fresh Start Basic accounts, proudly offered to help you rebuild your credit and reestablish a healthy financial relationship.

How does it work?

At JVB, we make it easy to get started with a Fresh Start Checking account. A $50 minimum deposit opens your account and after that no minimum balance is required. Your Fresh Start Checking account even includes debit card access and free online and mobile banking. As a second chance bank account, Fresh Start checking is designed to get you through your financial difficulties and restore your finances to good health. When you maintain a healthy Fresh Start Checking account for 18 months, you may qualify for one of JVB’s full-value idLOCK checking accounts.

Fresh Start Checking Account Benefits

  • Unlimited Check Writing
  • ATM/Debit Card Access2
  • $2/Month Discount with Direct Deposit
  • Free Online and Mobile Banking3
  • Free E-Statements4
  • Free Online Bill Pay

Fresh Start Basic Account Benefits

  • No Check Writing1
  • ATM/Debit Card Access2
  • $2/Month Discount with Direct Deposit
  • Free Inquiry-only Online and Mobile Banking3
  • Free E-Statements4
  • Unavailable:  Online Bill Pay

Can you open a bank account with bad credit?

We believe in second chances. If financial hardship has affected your credit score, we’ll help you get on the road to financial recovery. At JVB, you can open a Fresh Start Checking account even if you have bad credit.

Can you get a debit card with bad credit?

With Fresh Start Checking, you’ll receive many of the benefits that our regular accounts offer. ATM and Debit Card access is included even if you have bad credit. With debit card access, you can access the funds in your account when and where you need them. Say goodbye to bad credit by developing a healthy banking history with JVB.

Contact us to learn more about Fresh Start Checking!

Are you wondering how to get a checking account with bad credit? Our Pennsylvania-based associates are here to help you with second chance banking. JVB proudly supports the communities in Centre County, Huntingdon County, Juniata County, McKean County, Mifflin County, Perry County, and Potter County. Whether in person or online, JVB is ready to answer your questions about our Fresh Start accounts. Visit a JVB office near you. We look forward to hearing from you!  

  • Call the JVB Customer Care Center to be connected to one of our experienced associates. 1-855-582-5101
  • Let us call you. Use our Schedule a Call form and someone will contact you on a date and at a time of your choosing.
  • Email our team to determine if Fresh Start Checking is right for your needs.
  • Chat with us right now using the Live Chat link showing at the top of the page.
  • Visit your local JVB community office in Blairs Mills, McAlisterville, Mifflintown, Port Royal, Richfield, Port Allegany, Lillibridge, Burnham, Reedsville, Lewistown, Millerstown, Coudersport, or Liverpool. 

1Checks or check writing are not permitted, with  the exception of over-the-counter checks for cash, official check purchases, or payments on a JVB loan.    2Foreign ATM deposits are not permitted with Fresh Start Checking or Fresh Start Basic accounts.  There is a $300 daily ATM limit and a $750 daily point-of-sale limit.   3Mobile deposit is not available with Fresh Start Checking or Fresh Start Basic accounts.  POPMoney and External Funds Transfers are not available with Fresh Start Basic accounts.   4E-Statements are free with Fresh Start Checking and Fresh Start Basic accounts.  There is a $2 fee if you choose paper statements.