Simple Checking Account
All the flexibility and essential banking benefits you need, all for free.
Effective as of 12/8/2022
|Account Feature||Optimum One Checking||Optimum Plus Checking||Simple Checking||Optimum Student Checking2|
|Minimum Opening Deposit||$10||$10||$10||$10|
|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||✔||✔||✔||✔|
|Debit Card Rewards||✔||✔||✔||✔|
|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) 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