Optimum Student Checking

¹ Primary account holder must be 22 years of age or younger but not younger than the age of 13. Upon the primary account holder reaching the age of 23, the account will convert to a Simple Checking Account with all terms and conditions in effect at the time.

 ² $10 minimum balance is required to open account and earn interest. Fees may reduce earnings. Variable rate may change after account is opened. Certain restrictions may apply. 

³ Set of checks is a Mini-Pak that includes 25 Checks, all additional orders at the customer's expense. 

⁴ Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle. 

⁵Limit of $10.00 credit per account. The $10.00 credit to the account will be processed to Optimum Student Savings account in good standing after 30 days of account opening and will be reported on 1099-INT. 

⁶Primary account holder must be 22 years of age or younger but not younger than the age of 13. Upon the primary account holder reaching the age of 23, the account will convert to a Optimum Savings Account with all terms and conditions in effect at the time.

For a full explanation of our fees, please refer to our Fee Schedule.