Checking Accounts

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!

Print/Email Product Details

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.

Features and Benefits	Benefits Checking	Classic Checking	Student Checking
No minimum balance No minimum balance requirement.
Pay Early See your paycheck hit your account as soon as we receive it.
Free Presto!® ATMs Access your money via Presto! ATMs for free.
Savings Program Eligible to enroll in our AddsUp Savings Program.
Digital banking Access account details, including our free bill pay service, anytime with Digital Banking.
Free Bill Pay Free bill pay and person to person payment service.
Mobile check deposit Deposit checks anytime, anywhere with mobile check deposit in Digital Banking.
ATM fee rebates Available ATM fee rebates per month.	4	2	4
Personal loan discount Rate discount on consumer loans.	0.40%	0.25%	0.25%
Mortgage loan discount Rate discount on a new mortgage.	0.375%	0.25%
Free coin machine Free coin machine access at any of our participating branches.
Earn dividends Ability to earn dividends on your checking balance.
Safe Deposit Box 50% off 3x5 Safe Deposit Box
Savings Plus Active Addition Financial checking account required for access.
Growth Plus Money Market Active Benefits Checking or Classic Checking account required for access.

Open Chart

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.