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Soy Fresh Start

Our Fresh Start checking account was created with people who don't currently have a bank account, or previously had problems keeping a positive balance, in mind.​


  • Unlimited check writing
  • Online banking
  • Online bill pay
  • Telebank
  • E-statements

Requirements & Fees

  • $50 opening balance
  • $12 monthly service charge, lowered to $10 with direct deposit

Additional Information

  • Debit/ATM may be requested after 6 months of a positive account balance

All checking accounts

$30.00 closing fee applied if account is closed within 90 days of opening.

Only transactions on Soy Capital Bank ATM machines are free. ATM transactions at foreign machines will be charged the foreign transaction charge of $3.00 by Soy Capital Bank and a convenience charge by the owner of the machine used. The amount is set and displayed on the screen and the customer approves that at the time of the transaction on the foreign machine. Replacement cards will incur a service charge.