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Effective as of 2/27/2024

Account FeatureOptimum One CheckingOptimum Plus CheckingSimple CheckingOptimum 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 ReimbursementFree 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 Checks50% off first order of Basic Style ChecksFree Basic Style Checks50% off first order of Basic Style ChecksFree Mini-Pak3
International Buying Power with Visa® Debit Card
Cash Reserve Annual Fee Waived
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*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.