Don’t let your past affect your future.
We believe everyone deserves another opportunity, and we’re here to give you one. We’re excited to help you get back on track and moving forward toward your money goals.
No deposit needed
Start your account with no minimum deposit—just set it up and you’re good to go.
Automatic approval for a Share Secured loan
Get the loan you need to boost your credit and banking history.
Switch to other checking options after one year
If your account is in good standing, you're eligible to switch to another one of our checking options.
It’s time to give yourself a fresh start.
No matter what your past banking history looks like—whether you’ve had overdrafts, bounced checks, or closed accounts due to unpaid fees, or if your credit score isn’t the best—you can still open a checking account with us.
Build a new banking history
- Money orders (eligible for one free money order per month)
- Not instantly declined because of charge-off (if within our eligibility guidelines)
- Three (3) MCCU withdrawal fees waived at non-Members Choice ATMs per month.
- No monthly service fee with monthly direct deposit or ACH deposit of $400 or greater
Plus these benefits1
- Debit Mastercard®
- Mobile and online banking
- Mobile wallet
- Direct deposit
- Audio response
- Bill Pay
- eAlerts & eStatements
- Check ordering
- Unlimited check writing
- Access to over 55,000 ATMs worldwide
Have questions for one of our representatives?
Fill out the short form below to hear back within the next business day.
Are you ready to get started?
Open an Opportunity Checking Account Online
Requirements
- No minimum deposit to open
- No minimum balance requirement
Restrictions
- $5 fee without a monthly direct deposit or ACH deposit of $400 or more
- Not eligible for Choice Pay
- No mobile deposits
- No “Financial Institution-to-Financial Institution” transfers via Online Banking
- Account will be closed if overdrawn for 30 days or more
FAQs about Opportunity Checking
Can I use my Debit Mastercard® for payments with Venmo or Zelle®?
Is my account information available 24-hours a day?
You may access your account 24/7 via Online Banking, Mobile Banking and the Audio Response system. You may also speak to a live representative by calling 281.398.9900. Please be advised that when calling outside of regular business hours, live representatives have limited account access.
What is the fee for a Money Order?
Money Orders are ideal payment options when you need to pay for something by check but are not able to use a personal check. For some large purchases, merchants may prefer a money order instead of a personal check. Money orders must be pre-paid, which means payment to the merchant is guaranteed. Members Choice offers Money Orders up to the amount of $1,000, and does not offer International Money Orders. Stop by a Members Choice branch near you to get started. The fee for a Money Order can be found on our Fee Schedule (PDF).
What services are available via Telephone Banking/Audio Response System?
Members Choice offers balance inquiries, transfers and check-by-mail withdrawals via Audio Response System. Please call 281.398.9900 or toll free 800.753.2428, and select option 2. Note: your account information is required for the audio response system.
How can I sign up for direct deposit?
To sign up for direct deposit, please contact your employer's payroll department. You will need to provide them with the routing number 313083196 and your 13 digit account number. If your employer requires documentation for initial set-up, you may provide them with a voided check or download the Direct Deposit Instructions Form (PDF).
Disclosures
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.
1 Opportunity Checking is not eligible for Choice Pay, mobile deposits, Zelle® or for transfers between financial institutions via Online Banking.
Please note an Opportunity Checking account will be closed if overdrawn for 30 days or more. If you maintain your Opportunity Checking account in good standing for one year, you have the option to be converted to another checking account type and funds will be transferred to that account.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.