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Opportunity Checking Account

Second chance checking to help build a new banking history

We believe everyone should have the opportunity to manage their finances. If you are unable to open a standard account due to past credit or banking history, this second-chance Opportunity Checking account can help you get back moving in the right direction.
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Low minimum deposit to open

Set up an account with only a $25 minimum deposit to get started
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Automatic approval for a Share Secured loan

Get the loan you need to boost your credit and banking history
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Convert to other checking options after year

After one year, accounts in good standing are eligible convert to another one of our checking options

Explore Opportunity Checking

  • 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 benefits


  • $25 minimum deposit to open


  • $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

Are you ready to get started?

Open an account as a new member with one of these easy options

Join Online

Apply online now to open your membership account

Join in a Branch

Visit a branch to open your account

FAQs about Opportunity Checking

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.

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).
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.
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).

Yes, your Members Choice Debit Mastercard can be added to either Venmo or Zelle for quick, secure and easy payments to friends and family. Click here for instructions: Venmo and Zelle 

Looking for other personal checking options?

Explore Cash Back Checking

Get rewarded with cash back on all of your debit card related transactions. Learn more about Cash Back Checking

Explore Basic Checking

A simple way to make managing your money easier. Learn more about Basic Checking

Explore Student Checking

Perfect for students, ages 15-22, looking to manage their finances. Learn more about Student Checking


(1) Mobile banking – No mobile deposits for Opportunity Checking
Opportunity Checking is not eligible for Choice Pay, mobile deposits, 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.
If not currently a Members Choice member, a $5 deposit is needed to establish membership. All memberships are subject to approval including credit approval.