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Optimum One

Our flagship checking account offers valuable benefits and a variety of tools to help you manage your finances and access your funds.

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1 Monthly fee of $10 is waived with one of the following: Maintain a monthly direct deposit of $500 or; Maintain an average daily balance of $1500 or; Use your debit card 5 times per month for point of sale transactions.

For a full explanation of our fees, please refer to our Fee Schedule.

Compare Accounts

Optimum One Checking

Minimum Deposit to open:$10
Monthly Fee:$10
Monthly Maintenance Fee waived with one of the following:• Maintain monthly direct deposit of $500
• Maintain an average daily balance of $1,500
• Use your debit card 5 times per month*

You get:

*Point of Sale Transactions not ATM

Optimum Plus Checking

Minimum Deposit to open:$10
Monthly Fee:$15
Waive Monthly Fee: Maintain an average daily balance of $10,000
or
Combined average deposit balances of $25,000 or greater*

You get:

* Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

Simple Checking

Minimum Deposit to open:$10
Monthly Fee:$0

You get:

1ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.

This is a non-interest-bearing account. $10.00 minimum balance to open account.

Optimum Plus

Do more for the benefit of your balance with an account that earns interest. As your deposit grows, you will be able to take advantage of the same great benefits that Optimum One offers.

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Checking

Account Interest RateAnnual Percentage Yield (APY) Minimum Balance to Open and Earn APY
Optimum Plus Checking.01%.01%$10.00

1 For a full explanation of our fees, please refer to our Fee Schedule.

2 Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

3 $10 minimum balance is required to open account and earn interest. Current rate effective 09/07/2021. Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply.

Compare Accounts

Optimum One Checking

Minimum Deposit to open:$10
Monthly Fee:$10
Monthly Maintenance Fee waived with one of the following:• Maintain monthly direct deposit of $500
• Maintain an average daily balance of $1,500
• Use your debit card 5 times per month*

You get:

*Point of Sale Transactions not ATM

Optimum Plus Checking

Minimum Deposit to open:$10
Monthly Fee:$15
Waive Monthly Fee: Maintain an average daily balance of $10,000
or
Combined average deposit balances of $25,000 or greater*

You get:

* Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

Simple Checking

Minimum Deposit to open:$10
Monthly Fee:$0

You get:

1ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.

Simple Checking

Our free basic checking account gives you the essential benefits you want and the flexibility you need.

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This is a non-interest-bearing account. $10 minimum balance to open account.

1For a full explanation of our fees, please refer to our Fee Schedule.

 

Compare Accounts

Optimum One Checking

Minimum Deposit to open:$10
Monthly Fee:$10
Monthly Maintenance Fee waived with one of the following:• Maintain monthly direct deposit of $500
• Maintain an average daily balance of $1,500
• Use your debit card 5 times per month*

You get:

*Point of Sale Transactions not ATM

Optimum Plus Checking

Minimum Deposit to open:$10
Monthly Fee:$15
Waive Monthly Fee: Maintain an average daily balance of $10,000
or
Combined average deposit balances of $25,000 or greater*

You get:

* Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

Simple Checking

Minimum Deposit to open:$10
Monthly Fee:$0

You get:

1ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.

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