Pinpoint Demo

Optimum Free Checking

With this account, you will enjoy valuable account benefits and a variety of tools to help you manage your finances and access your funds.

View All Features

View Optimum Benefit Levels

Optimum One Checking

Minimum Deposit to open:$10
Monthly Fee:$10
Monthly Maintenance Fee waived with one of the following:• Maintain monthly direct deposit of $500
• Maintain an average daily balance of $1,500
• Use your debit card 5 times per month*

You get:

*Point of Sale Transactions not ATM

Optimum Plus Checking

Minimum Deposit to open:$10
Monthly Fee:$15
Waive Monthly Fee: Maintain an average daily balance of $10,000
or
Combined average deposit balances of $25,000 or greater*

You get:

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.

Simple Checking

Minimum Deposit to open:$10
Monthly Fee:$0

You get:

1ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.

This is a non-interest bearing account. $10 minimum to open account. For a full explanation of our fees, please refer to our Fee Schedule.

Optimum Interest Checking

Get more with your everyday checking account. Earn a competitive interest rate on your balance while utilizing convenient tools to manage your money.

View All Features

Checking

Checking

Account Interest RateAnnual Percentage Yield (APY) Minimum Balance to Open and Earn APY
Optimum Plus Checking.05%.05%$10.00

1 $10 minimum balance required to earn interest.

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

View Current Rates

Checking

Checking

Account Interest RateAnnual Percentage Yield (APY) Minimum Balance to Open and Earn APY
Optimum Plus Checking.05%.05%$10.00

View Optimum Benefit Levels

Optimum One Checking

Minimum Deposit to open:$10
Monthly Fee:$10
Monthly Maintenance Fee waived with one of the following:• Maintain monthly direct deposit of $500
• Maintain an average daily balance of $1,500
• Use your debit card 5 times per month*

You get:

*Point of Sale Transactions not ATM

Optimum Plus Checking

Minimum Deposit to open:$10
Monthly Fee:$15
Waive Monthly Fee: Maintain an average daily balance of $10,000
or
Combined average deposit balances of $25,000 or greater*

You get:

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.

Simple Checking

Minimum Deposit to open:$10
Monthly Fee:$0

You get:

1ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.

Product Bundles

Simplify the process of product selection with our bundle options. Products and services with similar qualities are grouped together and wrapped up into a single selection, making it easy to ensure all your spending and saving needs are covered.

View our Student Bundle

Whether you are in school, beginning your career, or just enjoying life after graduation, the last thing you want to worry about is your finances. Our Student Bundle, for customers ages 22 and younger, provides the right mix of accessibility and technology without costly fees.

Included in this bundle:

Other Benefits:

1 $10 minimum to open an Optimum Free Checking account
2 Available for students age 18 and older.

View our Senior Bundle

The Senior Bundle, for customers age 65 or older, provides everything you need to increase your savings while securely managing accounts with ease. Access a suite of benefits and maximize interest earnings with your savings and checking accounts.

Included in this bundle:

Other Benefits:

  • Unlimited check writing with fee reimbursement of up to $35 toward check order
  • Automatic enrollment in our exclusive Optimum Benefits Package
  • Customer Contact Center 888-402-2265

1 $10 minimum to open an Optimum Interest Checking account

Free Bundle

Things just seem better when they are free. Fulfill your everyday banking needs with a selection of our core banking products, coupled with the right blend of technology and convenience - all for free. Bank when, where, and how you want with the Free Bundle.

Included in this bundle:

Other Benefits:

1 $10 minimum to open an Optimum Free Checking account

Interest Bundle

Do you generally keep higher balances in your accounts and want to earn more interest? Consider the Interest Bundle, which is designed to help you maximize interest in all your deposit accounts.

Included in this bundle:

Other Benefits:

  • Customer Contact Center 888-402-2265
  • Live chat support via the StonehamBank website
  • Automatic enrollment in our exclusive Optimum Benefits Package

1 $10 minimum to open an Optimum Interest Checking account

Icon of a Question Mark with Chat

Have any questions?

Contact Us or Schedule an Appointment.

Would you like to know more about...