Checking Products

OptimumBank offers its customers the right solutions to meet your financial needs today and in the future. Individual needs and lifestyles call for different types of checking accounts.  We offer a broad range of accounts.

 

Regular (Non-Interest) Checking

(NO MONTHLY MAINTENANCE FEE)

Enjoy all of our finest OptimumBank personal checking account conveniences without any monthly maintenance fee, unlimited check-writing and more.

  • $100 minimum deposit to open
  • NO MONTHLY MAINTENANCE FEE
  • No per check charges
  • Non-interest bearing
  • FREE 1st order of wallet style checks
  • FREE VISA® Check Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements
  • FDIC Insured

Optimum Checking

Our premier personal checking account rewards customers based on their
Banking Relationship with us. This account earns tiered rates when minimum
balances are maintained and is fee-free with a minimum daily balance of $1,000
or when you have direct deposit.

 

 

  • $100 minimum deposit to open
  • $1,000 Average Daily Balance or Direct Deposit to avoid the $15 monthly
  • maintenance fee
  • $1000 minimum daily balance to earn interest
  • Interest compounded daily, credited monthly
  • No per check charges
  • FREE 1st order of wallet style checks
  • FREE VISA® Check Card
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements
  • FDIC Insured

Personal Money Market Checking

High Performance Earning Power

OptimumBank’s Personal Money Market Account delivers the best of two worlds:
increased earning power in a flexible, accessible bank account. You’ll enjoy
competitive rates on deposit balances with checking account liquidity.

 

  • $1000 minimum deposit to open
  • $1000 minimum daily balance to earn interest
  • $1,000 Average Daily Balance or Direct Deposit to avoid the $20 monthly
  • maintenance fee
  • Interest rate tiered by account balance
  • Interest compounded daily, credited monthly
  • Limited to six (6) third-party debits by means of check, preauthorized automatic
  • transfers, telephone transfers, electronic banking or mobile banking. $10 per
  • excess debit per statement cycle
  • FREE 1st  order of wallet style checks
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements
  • FDIC Insured