Untitled

-Checking Products
-Additional Services

Business Checking Products
	click down arrow to select product:
		OptimumBank offers its customers the right solutions to meet your financial needs today and in the future. Different size businesses call for different types of checking accounts.


		Commercial Checking

	Requirements:
		$100 minimum deposit to Open Account No minimum balance
	Features
		Receive credit against service charges. Calculation is based on the average collected balance in your account for the month minus 10% for reserve requirements multiplied by the earning credit rate. (The earnings credit rate is based on 4-week average of 90 day T-Bill auction results) FDIC insured
	Fees:
		$25.00 per month maintenance fee Monthly Item Charges: 15¢ per deposited item 15¢ per checks and debits paid 30¢ per deposits and credits $15.00 early closure fee (first 90 days)


		Small Business Checking

	Requirements:
		$100 minimum deposit to Open Account $500 average daily balance to avoid Maintenance Fee
	Features:
		No charge for deposits No charge on first 100 checks written; 10¢ each thereafter FDIC insured
	Fees:
		$20.00 per month maintenance fee below minimum $15.00 for account closing within 90 days


		Not For Profit Checking

	Requirements:
		$100 minimum deposit to Open Account $500 average daily balance to avoid Maintenance Fee
	Features:
		No charge for writing checks Competitive Interest Rate tiered by account balance, compounded daily, paid monthly Free first order of checks FDIC insured
	Fees:
		$10.00 per month maintenance fee below minimum $15.00 for account closing within 90 days

©2006 OptimumBank.com