The Optimum Ingredients!

The Optimum Ingredients!

Checking never tasted so good!

Our Optimum Checking brings all our best features together in one account! That means, unlimited access anywhere, 24/7, as well as nationwide connections, international buying power, and our suite of digital products and services. We know you expect more from your bank, and we are more than happy to deliver!

Do More with Optimum One1

  • Unlimited Nationwide ATM Surcharge Fee Reimbursement
  • International purchasing power with our Visa® Debit Card
  • 24/7 Account Access with our online and mobile banking services
  • Efficiently manage all of your finances in one place with our personal finance management tool
  • Debit Card Rewards

Optimum Plus2

Get more – all of the modern and convenient features as Optimum One plus interest!

Get Even More with us!

All new Optimum Checking customers will receive a $200 Gift Card!3

Open an Account - Get Even More with us!
2.00% APY(2)

Plus One Money Market Account

Available with both Optimum One and Optimum Plus!

Learn More - Plus One Money Market Account

1The Optimum One Checking Account is a non-interest bearing account.

2The Optimum Plus Checking Account has a 0.05% Annual Percentage Yield (APY). The APY is accurate as of 5/13/19. The rate is variable and may change after account opening and fees may reduce earnings. $10 minimum balance to open and earn APY.

3Earn a $200 Amazon Gift Card when you open a new Optimum Plus or Optimum One Checking account with a $10 minimum opening deposit balance and complete the following requirements within each of the first full three calendar months following the date the new account is funded: (1) Receive a monthly direct deposit(s) totaling $1,000 or more and; (2) Enroll in Online Banking. For example, a qualifying account type opened and funded during the month of April must complete the requirements in the months May, June and July in order to qualify for the gift card. Examples of qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits from your employer or the government. You must not currently have a StonehamBank personal checking account or have had one in the last 12 months. A $200 Amazon Gift Card claim code will be emailed to you within 30 days of completing requirements if qualification conditions are met, and the account remains in good standing. To redeem your gift card for online users: Simply set up or log in to your Amazon account; Click the “Your Account” tab; Click on “Gift Cards”; Click on “Redeem a Gift Card”; Enter your gift card's claim code in the claim code field; Click on “Apply to Your Balance”. For mobile users: Simply set up or log in to your Amazon account; Go to “Your Account”; Tap the “Manage Gift Card Balance” from the “Amazon Wallet” options; Tap “Redeem Another Gift Card” and enter or scan your claim code; then Tap “Apply to Your Balance”. The retail value of the gift card is $200.00. The primary account holder is solely responsible for any federal, state and local taxes, and must provide StonehamBank with a valid social security number or taxpayer identification number before the gift card will be provided. A form 1099-MISC will be issued to the primary account holder. Limit one gift card per customer. This offer may be withdrawn at any time. All other rules and regulations for checking accounts apply. SUBSCRIPTION BRANDS MENTIONED ARE NOT SPONSORS OR PARTICIPANTS IN THIS PROMOTION.

4Annual Percentage Yield (APY) is effective as of 5/13/19. You must have an Optimum Plus or Optimum One personal checking account in good standing to be eligible to open this account. To open this account visit a StonehamBank branch location or for questions call 888.402.2265. $10 minimum balance to open and earn APY. Fees may reduce earnings. Variable rate may change after account is opened. Certain other restrictions may apply.

Offers open to Massachusetts and New Hampshire residents only and are subject to change without notice.