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.

 

SIMPLY FREE CHECKING*

(NO MONTHLY MAINTENANCE FEE)
A FREE account for everyone!

  • $50 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 Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images

*Other fees such as Overdraft/NSF Fee, Fee to Return Item, Consecutive Days OD Fee, etc. may apply. See fee schedule for details. Ask us for details. Bank rules and regulations apply.

DIRECT INTEREST CHECKING

Earn interest with the convenience of direct deposit or any automatic payment!

CALL 954-900-2800 FOR CURRENT RATES

  • $50 minimum deposit to open
  • NO MONTHLY MAINTENANCE FEE
  • No minimum 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 Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images

50+ INTEREST CHECKING

A perfect account for customers 50 and over!

CALL 954-900-2800 FOR CURRENT RATES

  • $50 minimum deposit to open
  • NO MONTHLY MAINTENANCE FEE
  • No 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 Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images

ULTIMATE INTEREST CHECKING

An account for those interested in higher interest!

CALL 954-900-2800 FOR CURRENT RATES

  • $50 minimum deposit to open
  • $1,500 minimum daily balance to avoid the $6 monthly maintenance fee
  • No minimum 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 Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images

PERSONAL MONEY MARKET

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.

CALL 954-900-2800 FOR CURRENT RATES

  • $1,000 minimum deposit to open
  • $1,000 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 Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images