Optima Bank & Trust

Skip to content
Account Login

Personal Deposit Products

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

back to top