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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.

Start here. We’ll help you.

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

Want to know what the pros do when they need to improve their game? They get back to the basics and work on their technique. Money management might not be a professional sport, but it takes just as much skill. 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. 

  • No check writing capabilities or courtesy pay option
  • No ATM deposit capabilities
  • No mobile check deposit
  • No Shared Branching access

Why Addition Financial?

Money Smarts

School yourself with free financial know-how.

On Time, Every Time

Online bill payments = easy and reliable.

Deals + Discounts

Save money on the things you like to do with our SaveTopia app.

Additional Features and Benefits

  • Free financial literacy courses
  • Convenient direct deposit and payroll deduction
  • Complimentary debit card
  • e-Statements available
  • SaveTopia discount program
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, volunteers or attends school in 22 select counties may join. View our "Become a Member" 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.


Get your learn on

Think of us as your personal financial guru, partner and coach for wherever life’s journey takes you. To help you live your best life, we offer money management tools, financial literacy seminars and expert advice that’s easy to understand. Start making every moment (and every penny) count.