Take the first step to a stronger financial future.
Brighter tomorrows are ahead, perfect banking history not required. Even if other banks have turned you away, Alltru is ready to help you manage your money. This opportunity checking account is available for people with lower credit scores that may not meet other checking account requirements.
Michael
Alltru Member
Nicole
Alltru Representative
Alltru Opportunity Checking Account
And Under
Not an Alltru member yet? Get started.
Alltru Opportunity Checking Account Features
Whether you’ve banked before or not, Alltru is here for you with opportunity checking.
Low monthly fees
$10/month, or reduced to $8 if you use direct deposit.
Access cash fast
Make withdrawals from 30,000 ATMs nationwide.
Free Visa Debit Card
Pay for purchases directly from your account.
Earn rewards for good decisions
After 12 months of no overdrafts or payday loans, your account will automatically transfer to a Basic Checking account.
Alltru Opportunity Checking Account Benefits
No More Waiting. Get Paid Up to 2 Days Early.
Life moves fast, and so should your money. With Alltru Checking, you can access your paycheck up to 2 days earlier with direct deposit.2 Whether you’re planning for a weekend getaway, paying bills, or just need a little extra cushion, early access to your money means less stress and more freedom to manage your finances on your terms. It’s not just for paychecks either. It can help with things like tax refunds, some forms of retirement payments, and child support, too. It’s one of the many ways Alltru is here to make your life easier.
Here’s how:
- Open an Alltru Checking account.
- Set up direct deposit through Alltru.
- Wait for your paychecks to roll in. We’ll give you access to your paycheck as soon as we get it, up to two days earlier than other banks and credit unions.
Ready to Become a Member?
Enjoy $300 when you open a new adult checking account with code CHECKING300 and complete the qualifying behaviors.1
Here’s how to get $300.
✔ Become a new Alltru member.
✔ Open any adult checking account using code CHECKING300 by 12/31/25.
✔ Within 60 days of checking account opening, sign up for online banking and estatements, and complete at least (2) $500 Direct Deposits.
“Opportunity Checking helped me get back on the road to financial freedom. Alltru gave me that first step. They took a chance and ever since then it’s been great.”
“When you go to Alltru they know you as a person, not as a number.”
“I have always received great service. They are always able to answer every question I have and provide me with the answers I’m looking for.”
Understanding credit scores.
How to create a budget.
Let’s Talk
We’re in your neighborhood.
We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.