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*

A FREE account for everyone!

  • $50 minimum deposit to open
  • No Monthly Maintenance Fee
  • No per check charges
  • Non-interest bearing
  • First order of wallet style checks at no charge
  • 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
  • First order of wallet style checks at no charge
  • 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
  • First order of wallet style checks at no charge
  • 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
  • First order of wallet style checks at no charge
  • FREE VISA® Check Card
  • FREE Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images

Optimum Money Market

Call 954-900-2800 for current rates

  • $1,000 minimum deposit to open
  • $1,000 minimum daily balance to earn interest
  • No Monthly Maintenance Fee
  • Interest compounded daily, credited monthly
  • No per check charges
  • First order of wallet style checks at no charge
  • FREE Mobile Banking with mobile deposit
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE eStatements with check images