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Effective as of 5/17/2022

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%.01%
Unlimited Worldwide ATM Surcharge Fee ReimbursementAccess to 55,000+ Surcharge-free Allpoint and SUM Network ATMs1
Personal Finance Management Tool
Free Cashiers Checks and Money Orders
24/7 Account Access with Online & Mobile Banking
Debit Card Rewards
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) crediting back 100% of ATM surcharge 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

Plan for a Bright Financial Future

The Debit Card Made for Convenience

Simple Checking Account

Our Additional Savings Accounts

Optimum One Checking | Optimum Plus Checking | Visa® Debit Card