There is a Fresh Start monthly fee, but you determine the amount:

• $8.95/month when you have direct deposit of  your entire payroll, pension, or social security check (at least $500/month) to your account
• $10.95/month without direct deposit to KEMBA

You can switch to a Hassle-Free Checking account after you have met one of the following conditions:

• 12 consecutive months with less than 12 non-sufficient funds (NSFs) notices –OR–
• 6 consecutive months with less than 6 NSFs and completion of a Money Management course.