Opportunity Checking is designed to give eligible members access to a second chance checking account while providing a clear path toward qualifying for a traditional La Cap checking account.¹
This account is designed to help you establish positive financial habits, maintain a checking relationship, and work toward improving your credit.
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What You Need to Know
Opportunity Checking has specific requirements and service limitations. Here's what you should know before opening your account.
Account Requirements1
- $25 minimum deposit to open
- A direct deposit must be posted within 30 days of account opening and maintained for the life of the account
- Members may not have a prior La Cap account that is not in good standing
Fees & Charges2
A $12 monthly service charge applies to Opportunity Checking. The monthly service charge is reduced by $2 when enrolled in eStatements, resulting in a $10 monthly service charge.
Services Not Available3
Opportunity Checking does not offer:
- Courtesy Pay
- Shared Branching
- ATM deposits
- Mobile deposits
- External transfers
- Bill Pay
- Wires
- La Cap-issued checks
Your Path to a Traditional Checking Account
Opportunity Checking isn't necessarily your final destination. After maintaining your account for at least one year, you may be eligible to transition to a traditional La Cap checking account.4
To work toward transitioning, you must:
Maintain your account for one year
Keep your Opportunity Checking account in good standing for at least one year.
Maintain direct deposit
Continue meeting the direct deposit requirement throughout the life of the account.
Avoid negative balances
Maintain positive account activity and avoid negative balances.
Improve your credit score
Work toward improving your credit score.
Meeting these requirements does not guarantee approval for another checking account. Additional eligibility and approval requirements may apply.4
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Ready for Your Next Opportunity?
Opportunity Checking can be the beginning of your next financial chapter. Open your account, build positive financial habits and work toward your next step with La Cap.
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Disclosures
1 Opportunity Checking is available to potential members who do not qualify for other checking account products offered by La Cap. Membership is required, including a Limited Savings Account with a $5.00 par balance. The minimum deposit to open is $25.00. A direct deposit must be posted within 30 days of account opening and maintained for the life of the account. Members may not have a prior La Cap account that is not in good standing. Failure to meet these requirements may result in account closure without notice, except where notice is required by applicable law.
2 A $12.00 monthly service charge applies to Opportunity Checking. The monthly service charge is reduced by $2.00 when the account is enrolled in eStatements, resulting in a $10.00 monthly service charge. A $2.00 monthly service charge for paper statements will apply unless waived for members under 25 years of age, members over 60 years of age, or accounts enrolled in eStatements.
3 Opportunity Checking does not offer Courtesy Pay, Shared Branching, ATM or Mobile Deposits, External Transfers, Bill Pay, Wires, or La Cap-issued checks. Paper checks are not available with this account. La Cap ATM withdrawals and balance inquiries are available at no charge. Other fees and restrictions may apply. Please see the La Cap Fee Schedule for complete details.
4 After maintaining an Opportunity Checking account for at least one year, members may be eligible to transition to a traditional La Cap checking account by maintaining direct deposit, avoiding negative balances, and improving their credit score. Meeting these requirements does not guarantee approval for another checking account. Additional eligibility and approval requirements may apply.
La Cap reserves the right to modify account terms, fees, and services in accordance with applicable laws and regulations. Members will receive notice of changes when required.