Couple ways to do it:
You can use the mass credit updater again (select all groups DONT select any awards, base 0, let it process)
If you have a small set of users, you can use the award users by criteria tool to select everyone, and then set checking and savings to 0, save it.
If you are comfortable with queries you can do the fastest of them all, run:
UPDATE user SET credits = 0, credits_saved = 0
which resets everyone to 0 (apply table prefix as applies)
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