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Opportunity Checking

The checking account that opens doors

This checking account is designed to work with any credit score, and includes many of the benefits of our other checking options while helping you through your financial journey.

0 money down. Waived fees. Checking made easy.

In just a few easy clicks you will be well on your way to a fruitful financial future (see what we did there?). After 12 months, once you’ve met the requirements listed in the account’s product details, take the next step in your financial journey by moving to either a Free, Classic or Benefits Checking account for more great features!

How do our other accounts compare with Opportunity Checking?


We understand that each member has a unique set of banking needs. That is why we created a portfolio of checking accounts with different features and requirements — because not every checking account is a one-size-fits-all. Curious to see how Opportunity Checking is different from our other checking accounts? Open the chart below for an at-a-glance comparison. 


Keep it Simple + Succeed

First thing’s first – we start with the basics. That’s why an Opportunity Checking account offers many of the benefits of other Addition Financial products while keeping things simple and limiting scenarios that can throw you off your game.

Opportunity Checking


  • Convenient direct deposit and payroll deduction
  • Complimentary debit card
  • Access to Savings Plus Account

Once You’re Ready to Take the Next Step...

After a 12-month period with the Opportunity checking account, you may be eligible to apply for a Free, Classic or Benefits checking account after meeting certain requirements.

Checking Accounts


  • Benefits
  • Classic
  • Free

Savings Plus Account

The Savings Plus Account earns a higher dividend rate than our regular Savings account and it provides the flexibility to earn a great dividend rate and annual percentage yield without locking up your funds. It’s a steady and secure way to grow your savings with the peace of mind that your funds are federally insured up to $250,000.

Already a member? Call us today at 800-771-9411 or visit your local branchNot a member yet?

Book an appointment and skip the line!

When you book an appointment online, you won’t have to wait in the lobby to talk to one of our representatives. Plan ahead for a date and time that works for you, at a location that’s close by. One of our agents will be ready to speak with you at the time you booked.
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You can do this

Getting to a better place financially starts with opening an Opportunity Checking account. We’ll help you figure out the rest.
  1. 1
    Review eligibility

    Anyone who lives, works, worships, attends school or vocational training, or is an alum of any college, university, or educational institution located in 24 select counties may join. View our “Join Today” page for full eligibility.

  2. 2
    Complete account application

    When you’re ready, complete the online application or visit your branch to apply in person. 

  3. 3
    Get your debit card

    Receive your complimentary debit card and start making your everyday purchases.