Optimum Plus Checking
Helping you do more with your money. Earn interest and enjoy all the same perks you'd expect from a checking account.
Effective as of 9/27/2023
|Account Feature||Optimum One Checking||Optimum Plus Checking||Simple Checking||Optimum Student Checking2|
|Minimum Opening Deposit||$10||$10||$10||$10|
|Earns Interest||.01% APY4||.01% APY4|
|Unlimited Worldwide ATM Surcharge Fee Reimbursement||✔||✔||Access 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||✔||✔||✔||✔|
|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.