| Interest Checking |
- Variable Rate: Interest compounded daily, credited monthly
- No Monthly Service Charge
- No Minimum Balance required
- No Transaction Limitations
- No Per Item Check or Debit Card Fees
- Free Optima Standard Checks for life
- Free Online Banking, Bill Pay and Interbank Transfers
- Minimum Deposit to open: $100
|
| Money Market |
- Variable Rate: Interest compounded daily, credited monthly
- Monthly Service Charge: $12 if average daily balance falls below $2,500
- Transaction Limitations: Six withdrawals per month. (No limitations on transfers made in person, by mail, ATM, or to pay an Optima Bank loan)
- Minimum Deposit to open: $100
|
| Statement Savings |
- Variable Rate: Interest compounded daily, credited monthly
- Monthly Service Charge: $4 if average daily balance falls below $250
- Transaction Limitations: Six withdrawals per month. (No limitations on transfers made in person, by mail, ATM, or to pay an Optima Bank loan)
- Minimum Deposit to open: $100
|
| Certificate of Deposit |
- Fixed Rate: Interest compounded daily, credited monthly
- Interest Payment Methods: Add to balance; deposit to checking or savings; ACH transfer or check
- Penalty for early withdrawal may apply
- Custom terms are available
- Minimum Deposit to open: $1,000. (Jumbo CD $100,000)
|
| IRA Certificate of Deposit |
- Fixed Rate: Interest compounded daily, credited monthly
- Traditional, Roth and SEP IRA available
- Interest Payment Methods: Add to balance; deposit to checking or savings; ACH transfer or check
- Penalty for early withdrawal may apply
- Custom terms are available
- Minimum Deposit to open: $1,000. (Jumbo CD $100,000)
|
| Health Savings Account |
- Variable Rate: Interest compounded daily, credited monthly
- No per item Check or Debit Card Fees
- No set up fees
- Free online banking and Bill Pay
- Free initial order of Optima HSA Checks
- No Monthly Service Charge
- No Minimum Balance required
- Minimum Deposit to open: $100
|
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