Locations Make an Appointment Log In Search Home Bank Borrow Invest & Insure Business About Learn Can't find something? Home / Savings / Opportunity Accounts Opportunity Accounts Everything in life starts with an opportunity, including the second chance to build a strong financial record. Get your finances in order and rebuild your financial record with an Opportunity Savings and Checking account. All Opportunity Checking accounts will be reviewed every month to evaluate the last six months of history. Opportunity Checking accounts will be automatically upgraded to Cashback Checking if the following requirements are met: Six direct deposits (at least one per month) Six or less overdrafts No returned checks 36 or more non-ATM debit card transactions Your Opportunity Savings account will also be upgraded to Membership Savings when you’re upgraded to Cashback Checking. If you’d like to opt out of this automatic upgrade process, please give us a call at 800-232-3642. Your Opportunity to Learn It takes $5 to open an Opportunity Savings account. Once you’ve opened your Opportunity Savings account, then you can open an Opportunity Checking account. As long as you have at least one direct deposit into your Opportunity Checking account every month, the monthly fee will only be $5. Without a direct deposit, the monthly fee will be $8. Your Opportunity to Succeed Enjoy these benefits of the Opportunity Checking account: MasterCard® Debit Card with Mastercard ID Theft Protection™ Online Banking BillPayer Bank-by-phone Electronic Statements Overdraft protection options – see below Unlimited check writing Limits on debit card use and check-cashing to help you stay on track Overdraft Protection Eligible Members can also request overdraft protection. That way, you’ll have the peace of mind knowing you won’t have a bounced check or a declined transaction. Opportunity Checking accounts are eligible for three types of overdraft coverage (Courtesy Pay is not available for this account). Access to More than 5,600 Branch Locations Our participation in the CO-OP Shared Branch network means convenience when, where, and how you want it. As our member, you can visit any of the more than 5,600 locations where you see the CO-OP Shared Branch logo, and conduct transactions just like you were at your home branch. Search locations Nearly 30,000 Surcharge-Free ATMs Now you can get cash surcharge-free at more ATMs than ever. Our members can visit any of nearly 30,000 ATMs that display the CO-OP logo. So whether you’re across town, or far from home for work or pleasure, you’re never far from your money. Search for ATMs Open an Opportunity Account Today! Open online, contact us, or make an appointment that works with your schedule. Open Online Contact Us Make an Appointment Mastercard ID Protection Mastercard ID theft protection comes with your Centra Mastercard at no additional cost. Click Here To Learn More Home Contact Us Connect with Us on LinkedIn Connect with Us on Facebook Connect with Us on Twitter Become a Member Schedule an Appointment Locations Deposit Rates Loan Rates Careers Privacy Policy Equal Housing Opportunity. Federally Insured By Ncua. Routing Number: 274972883 © 2021 Centra Credit Union All Rights Reserved. | 3801 Tupelo Drive, PO Box 789, Columbus, IN 47202 Please note that on our website we use cookies necessary for the functioning of our website, cookies that optimize the performance. To learn more about our cookies, how we use them and their benefits, please read our Privacy Policy. OkPrivacy policy