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Opportunity Checking

Establish or rebuild your credit

Designed specifically for those with no credit background or damaged credit, this checking account helps you master your money and rewrite your credit story.

0 money down. Waived fees. Checking made easy.

Most places will tell you that you need a good credit score in order to get credit (like an account or loan). So what are you supposed to do if you don’t already have a good credit history? Open an Opportunity Checking account. It’s designed specifically for people who are looking to rebuild or establish their credit. And once you’re on your way to a better credit score, you’ll have the option to upgrade to a Choice Checking account.

Keep it Simple + Succeed

If you need to build or repair your credit, it’s smart to focus on the basics and save the fancy footwork for later. 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. 

  • Convenient direct deposit and payroll deduction
  • Complimentary debit card
  • SaveTopia discount program
  • Free financial literacy courses
  • No check writing capabilities or courtesy pay option
  • No ATM deposit capabilities
  • No mobile check deposit
  • No Shared Branching access

Book an appointment and skip the line!

When you book at 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.

Enrich Financial Education Courses

You wouldn’t jump into the deep end of a pool if you didn’t know how to swim. You shouldn’t have to dive head first into finances before your learn the basics, either. At Addition Financial, we believe that our members deserve great financial education. We offer free online courses on everything you need to know—credit building, buying a home and way more.

Debit Cards with Fast and Secure Payments

Choose from a wide array of designs and enjoy convenient access to thousands of ATMs and merchants around the world with your Addition Financial Visa® debit card. All new Addition Financial debit cards come with the latest card technology. Tap to pay lets you make transactions just by tapping your card on any reader with a tap to pay symbol. It’s faster and more secure than using a chip or swiping your card. With an Addition Financial card, checkout is as simple as look, tap and pay.
Husband and wife exercising.

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 alumni of any college, university, or educational institution located in 22 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.