We’re prepared to work with you. To listen. To ask questions. And, most importantly, to provide solutions. A savings account can be an important investment tool and an integral part of your overall financial picture.
Regular Savings
Requirements:
$100 minimum deposit to open account.
Features
- No monthly maintenance fee when you maintain a $500.00 average daily balance.
- Interest compounded daily, credited monthly.
- ATM card available.
- OptimumBank does not charge any ATM transaction fees to its customers.
- Monthly Statement with EFT/ACH activity, otherwise quarterly.
- FDIC Insured.
Fees:
$10.00 monthly maintenance fee.
Restrictions:
Transaction limitations. During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by similar order to a third party.
Optimum Savings
Requirements:
$100 minimum deposit to open account.
Features:
- No monthly maintenance fee when you maintain a $5000.00 average daily balance.
- Interest Rate tiered by account balance, compounded daily, credited monthly.
- ATM card available.
- OptimumBank does not charge any ATM transaction fees to its customers.
- Monthly Statement with EFT/ACH activity, otherwise quarterly.
- FDIC Insured.
Fees:
$15.00 monthly maintenance fee.
Restrictions:
Transaction limitations. During any monthly statement cycle, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, computer transfer, or by similar order to a third party.
Certificates of Deposit
Requirements:
$1000 minimum deposit to open account.
Features:
- Three-month to five-year certificates available.
- Interest compounded daily, credited monthly.
- FDIC Insured.
Restrictions:
You may not make any deposits into your account before maturity.