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Opportunity Checking

Start Fresh

Start fresh with one of our opportunity accounts. These accounts are designed to help you qualify for a traditional checking account, even if you've been turned down for a checking account in the past.

Opportunity First Step


The account that helps those who need assistance repairing past checking history.

  • No minimum balance requirement
  • Hawthorn Bank debit card transactions are allowed, subject to daily limits1
  • FREE electronic banking – Includes online banking, mobile banking, online bill payments, Apple Pay, Google Pay, Samsung Pay, eStatements2 and 24-hour telephone banking
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • You must deposit at least $50 to open this account.
  • Your monthly service charge of $9.95 is reduced to $6.95 when at least one Direct Deposit posts and clears during the monthly statement cycle.
  • This account only allows electronic or in-person withdrawals. Checks and paper drafts presented for payment will not be honored and will be returned by the Bank. We charge a fee of $35 each time we pay an overdraft3 or return checks or other items unpaid. The fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, and other electronic means.
  • To graduate to the next level, an Opportunity Checking Account, the First Step account must be opened for 12 months with no overdrafts.
  • An account closing fee of $25.00 will be charged if you close your account within 30 days of opening.

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Opportunity Checking

If you qualify, Opportunity Checking gives you the opportunity to write checks.

  • No minimum balance requirement
  • Unlimited check writing 
  • Hawthorn Bank debit card transactions are allowed, subject to daily limits1
  • FREE electronic banking – Includes online banking, mobile banking, online bill payments, Apple Pay, Google Pay, Samsung Pay, eStatements2 and 24-hour telephone banking
  • Free debit card
  • FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs
  • You must deposit at least $50 to open this account.
  • Your monthly service charge of $9.95 is reduced to $6.95 when at least one Direct Deposit posts and clears during the monthly statement cycle.
  • We charge a fee of $35 each time we pay an overdraft3 or return checks or other items unpaid. The fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, and other electronic means.
  • We charge a fee of $35 for each stop payment order you request.
  • To graduate to the next level, a traditional checking account, the Opportunity Checking account must be opened for 18 months with no overdrafts.
  • An account closing fee of $25.00 will be charged if you close your account within 30 days of opening.

After 18 months in good standing with an Opportunity Checking account, you may apply for a traditional checking account.

Call or come in

Open this account online


1 Opportunity First Step does not allow check writing. Hawthorn Bank debit card transactions are allowed, subject to daily limits.

2 In order to avoid a $3.00 paper statement fee, you must enroll in online banking, opt in for eStatements and maintain an active online banking enrollment. An active online banking enrollment is maintained by logging into your online or mobile banking account at least once every 120 days. If requirements are not met, you will automatically receive paper statements and your account will be charged $3.00 per month.

3 Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts. Overdrafts are expected to be repaid in a timely manner, and are payable upon demand.