Opportunity BankingWe believe that everyone should have access to safe and affordable banking, with strong financial partners to share in the journey. That’s why our Opportunity Banking account has no overdraft or returned item fees1, and offers all the perks of a checking account. And with a low monthly fee of only $5 and low opening deposit, it’s affordable too. Show Open Now Schedule an Appointment
Reach Your Goals - QuicklyOpportunity Banking is a checkless account that provides a free Visa® Debit Card, free Online and Mobile Access with Bill Pay and Mobile Deposit, access to more than 32,000 ATMs nationwide, and so much more. Simple Guide to Opportunity Banking Account Features
Enjoy These Perks with Your AccountOpportunity Banking is an affordable account with no overdraft or returned item fees, packed with convenient features designed to help you live your best financial life. How you shop, spend, budget, save, pay bills or send money should be up to you. After all, it’s your money. We’re just here to make it a little easier for you.
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1 Although this account will help you avoid overdrawing your account in most situations, there may be times when your account could have a negative balance. One situation in which this could happen would be if a transaction for a certain amount is approved, but the final charge exceeds the balance in your account, such as when you use your debit card at a restaurant, and add a tip separately. In this example, the total transaction amount would result in you overdrawing your account, but we would not charge you an overdraft fee. 2 Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc. 3 Samsung, Samsung Pay, Galaxy S (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Other company and product names mentioned may be trademarks of their respective owners. 4 If you are enrolled in Overdraft Protection, we will automatically transfer any available funds at no charge to you from your linked Bank of Texas savings, money market account or personal line of credit into your checking account at the end of any business day on which your Available Balance is less than zero. Limited to one linked savings or money market account or personal line of credit as a source of funding. Accounts are not automatically linked. Please notify your banker which account should be linked. 5 If you choose to receive a monthly statement via postal mail, a statement fee of $2 will be assessed each month. To avoid this fee, you can turn off paper statements by logging in to Online or Mobile Access, selecting “online only”, and accepting the Online Statements Terms and Conditions. Opting out of paper statements will terminate the mailing of your monthly statement. 6 Visa's Zero Liability Policy does not apply to ATM transactions or to PIN Transactions not processed by Visa. U.S. issued cards only. See terms and conditions for Visa Debit Card. For meeting National Account Standards, Opportunity Banking is certified as a low-cost, low-fee account by Bank On. How can I open a checking account with no money?The short answer is yes. You don't need a deposit to open a bank account, if you choose a bank that doesn't require one. A handful of online-only banks and banks with online banking do not require a deposit. Just make sure to review the features, terms, and fees of the bank to determine if it's the right one for you.
What bank can I open a checking account online with no deposit?Banks that Don't Require an Opening Deposit. Ally Bank. Ally Bank is a high-interest option with unique online integrations such as mobile check deposits, money transfers by voice, and automated savings programs. ... . Axos Bank. ... . Capital One. ... . Discover. ... . Monorail. ... . State Farm. ... . What banks pay you to open a account for free?7 Bank Accounts That Will Give You Free Money. TD Bank will give you free money with its checking accounts if you meet the direct deposit requirements. ... . Chime is an online bank with no monthly fees. ... . Huntington Bank offers sign-up bonuses for both its business accounts and its personal accounts.. What bank gives you a second chance?A few banks and financial companies backed by banks offer second chance checking nationwide: Chime (account name: Spending Account, available online) Green Dot Bank (account name: GoBank, available online and at Walmart stores). LendingClub (account name: Essential Checking, available online).
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