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 digital banking – Includes mobile app, MyMoney Tracker budgeting tool, debit card controls, eStatements, and more²
FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs³
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 overdraft⁴ 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 digital banking – Includes mobile app, MyMoney Tracker budgeting tool, debit card controls, eStatements, and more²
FREE ATM use at any Hawthorn ATM and hundreds of ULTRA ATMs³
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 overdraft⁴ 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.

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

2 Opportunity accounts are not eligible for mobile deposit, external transfers or Zelle^®. In order to avoid a $3.00 paper statement fee, you must enroll in digital banking, opt in for eStatements and maintain an active digital banking enrollment. An active digital banking enrollment is maintained by logging into your digital 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 Opportunity accounts are not eligible to make ATM deposits

4 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.