Compare Checking Accounts

Effective as of 4/18/2024

Account Feature	Optimum One Checking	Optimum Plus Checking	Simple Checking	Optimum Student Checking²
Minimum Opening Deposit	$10	$10	$10	$10
Monthly Fee	$10*	$15**	$0	$0
Earns Interest		.01% APY⁴		.01% APY⁴
Unlimited Worldwide ATM Surcharge Fee Reimbursement	✔	✔	Free ATM Access to all nationwide SUM network ATMs¹	✔
Personal Finance Management Tool	✔	✔	✔	✔
Free Cashiers Checks and Money Orders	✔	✔
24/7 Account Access with Online & Mobile Banking	✔	✔	✔	✔
Discount on Checks	50% off first order of Basic Style Checks	Free Basic Style Checks	50% off first order of Basic Style Checks	Free Mini-Pak³
International Buying Power with Visa^® Debit Card	✔	✔	✔	✔
Cash Reserve Annual Fee Waived		✔
	Learn More	Learn More	Learn More	Learn More

*Monthly maintenance fee waived with one of the following: Maintain monthly direct deposit of $500, maintain an average daily balance of $1,500, or use your debit card 5 times per month for Point of Sale Transactions not ATM.

**Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

¹ ATM Transactions (surcharge) credited back to a maximum of $10.00 cycle credit.

2 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.

3 Mini-Pak include 25 checks

4 Annual Percentage Yield (APY) is effective 08/02/2023. $10 inumum 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.