Rio Grande Credit Union
Rio Grande Credit Union
Second Chance Checking

Opportunity is knocking

You deserve a second chance.

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Fresh Start Checking

Fresh Start Checking is the perfect second-chance opportunity for members who have had difficulty with a checking account in the past. Rio Grande Credit Union makes it easy to get started again. A successful checking account can be a useful tool for sound money management.

You'll enjoy online everything with convenient ways to manage your money, including mobile banking apps, Mobile Deposit, and payment options. You'll get Rio Grande Rewards, where you earn time you buy. Plus, you'll get Make the Change, where you can round up every transaction and build your savings.

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Fresh Start Checking features

  • No minimum balance - Open your account with $25 and enjoy no minimum balance requirement.
  • Free Visa® Debit Card - Use your card to make secure and simple purchases worldwide.
  • No limit on number of transactions - Use your card as many times per month as you want with no charge. In fact, we pay you with Rio Grande Rewards
  • Possibility to upgrade your account after 12 Months - After 12 consecutive months with no overdrafts and a continuous direct deposit, your account can be reviewed and converted to a Roadrunner or Zia Checking account. If your account is upgraded, you'll also become eligible for our Periodic Overdraft Protection Service.

Rewards and Perks

with Free Checking At Rio Grande Credit Union, you'll get free benefits you won't find at other institutions.


Earn 1 point for every $4 you spend with your Debit Card. It doesn't matter whether you enter your PIN or sign for the transaction. Redeem your points for gift cards, travel or turn them in for cash back!

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Make the Change

Round up your debit card purchases to the nearest dollar. Sweep it to the savings of your choice!

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Cell Phone Protection

Mobile phone protection—at no cost to you!

Rio Grande offers built-in cellphone insurance with all our debit cards. Simply pay your monthly cellphone bill with your RGCU debit card and receive up to $500 in protection (minus a $50 deductible) if your cellphone is damaged or stolen.

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Debit Card Extras

Your RGCU Debit Card is Packed with powerful benefits. Things like:

  • Price Protection - If you purchased an item with your debit card and see it advertised at a lower price within 60 days, you may get reimbursed for the difference.
  • Extended Warranty - If you purchased an item with your debit card, you can extend a manufacturer’s warranty by up to one year.
  • Purchase Security - Brand-new items purchased with your debit card can be covered in the event of vandalism, accidents, weather, and theft!
  • Personal Identity Theft - If your identity is stolen, it can cost money to resolve it. You can be reimbursed up to $5,000 for the costs associated with recovery.
  • And More!

Learn more about RGCU Debit Card benefits here ►