Second Chance Checking
Everyone deserves a second chance.
Sometimes life hands us lemons. We fully understand that. We also understand how hard it is to make any progress when you’re being squeezed by prior financial problems that have soured your credit rating.
If you’ve had financial problems in the past that now prevent you from getting a checking account at other financial institutions, talk with us. Our Second Chance Checking account allows you to Chart Your Path to rebuilding your credit.
Second Chance Checking provides you with:
- A way to pay bills to re-establish your financial stability
- Free rollover to Connections Checking if your account is open and clear for 12 months
- There is a $12 monthly service charge
- Direct Deposit is required
- No minimum balance requirements
- Free Online Banking and unlimited Bill Pay
- Free Sprig® Mobile Banking
- Free ATM Card
- Free Audio Response Automated Telephone Service
- No per-check fees
After you have had your account open with us for 12 months of active use, you’ll be eligible to request a move into Connections Checking. We’ll review your history. If everything looks good, we’ll convert your account to a FREE Connections Checking account with all of the benefits it offers.
Turn lemons into lemonade and Chart Your Path to a better financial future with Second Chance Checking. Enroll online or stop by the branch to get started.
If you’re not a member yet, let RiverTrace help you Chart Your Path. It’s easy to enroll and we can take care of it for you when you open an account or apply for a loan.
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Federally insured by NCUA
Equal Opportunity Lender
Equal Housing Lender
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RiverTrace Federal Credit Union | 6011 Staples Mill Rd. | Richmond, VA 23228 | 804-266-2767
Main: 804-266-2767
FAX: 804-266-5803
Routing #: 251082398
About RiverTrace FCU
RiverTrace Federal Credit Union is a not-for-profit, federally insured financial institution serving the Greater Richmond area. Anyone who lives, works, worships or attends school in Henrico, Chesterfield, or Hanover counties, or the city of Richmond is welcome to join RiverTrace FCU. Geographically, our credit union is located near Glen Allen, Lakeside and Dumbarton in Henrico County, Virginia. As a local Richmond credit union, we afford our members a level of personal service and local decisions on loans that large, multi-region financial institutions cannot match. RiverTrace offers free checking accounts with free VISA® Debit Cards and savings account options that are all federally insured up to $250,000 by NCUA. We also offer all of the convenience services consumers depend on: online banking, mobile banking, online bill pay and nationwide fee-free ATM access. Our VISA® Platinum Credit Card has no annual fee, no balance transfer fee, generous credit lines and competitive fixed rates. We invite you to compare our Richmond auto loan rates to any Henrico bank. RiverTrace also has extremely competitive rates on mortgages, personal loans and a suite of credit building loans to help members establish or repair their credit.
RiverTrace® is a federally registered trademark owned by RiverTrace Federal Credit Union and may not be used, displayed or reproduced by any other party without the express written permission of RiverTrace Federal Credit Union.