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 a Choice checking account for more great benefits!

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

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 Choice checking account after meeting certain requirements.

Choice Checking


  • No-cost access to all Presto! ATMs
  • Mobile check deposits
  • 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.

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 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.