Opportunity Checking

Do you keep a higher balance in your account? Opportunity Checking could be the right choice for you. Opportunity rewards members who keep a larger balance in their account with a variety of benefits beyond what our simple account offers, including dividends and waived monthly fees. The chart below shows all the other features included with this account.

Feature or BenefitOpportunity
Earns DividendsYes
Overdraft Protection*Yes
Reimbursed ATM Fees (up to $20 per month) 
Free Check Orders (up to $25 per order) 
Free Instant Issue Debit CardYes
Custom Photo Debit Card**Yes
Paper Statements***Yes
Overdraft Fees for Returned Items$30 per item
Bounce! Protection†Yes
Free Web and Mobile BankingYes
Free Online and Mobile Bill PayYes
Free Access to CO-OP Shared ATMs and BranchesYes
Monthly Fee$12
How to Waive Monthly Fee$2,500 monthly average checking account balance
Opening Deposit$25

* Overdraft protection: Free for Advantage, $7 per transfer for Simple and Opportunity, not available for Young Adult

** Custom Photo Debit Card: One card free for Advantage and Young Adult, $10 for Simple and Opportunity

*** Free for Advantage, $2 per month for Simple, Opportunity and Young Adult

† $30 per item, up to a maximum of 4 charges per day