All deposits are fully insured at StonehamBank through both FDIC and DIF.   

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). The combination of FDIC and DIF insurance provides customers of our bank with full deposit insurance on all their deposit accounts. No depositor has ever lost a penny in a bank insured by both the FDIC and the DIF. Please Click Here to view our 2022 Annual Report. 


Optimum One Checking

Our staple checking account. Do more with your money with the help of valuable benefits and a variety of tools to support easy finance management. 

Optimum Plus Checking

Earn interest and do more to benefit your account balance with each deposit. Plus, enjoy all the great benefits of the Optimum One Checking account as an added bonus. 

Simple Checking

Get the flexibility and essential banking benefits you need for free with our Simple Checking account. 

Optimum Student Checking

Free interest-bearing checking account for students age 13 through the age of 221

Visa® Debit Card

As your neighborhood bank, we pride ourselves on helping you do more with your money. That's why the Visa® Debit Card is included with our suite of checking account products. 

If your card is lost or stolen, please call 800-236-2442.

 1$10 minimum balance is required to open account and earn interest. Certain restrictions may apply.  

Move Closer to Your Savings Goals