Personal Banking Navigation

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, Mobile Banking, Text Banking, Bill Pay and Interbank Transfers.
  • Free Remote Deposit Anywhere with smartphone.
  • Free ATM worldwide access.
  • 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.

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.

Health Savings Account

  • Variable Rate: Interest compounded daily, credited monthly.
  • No per item Check or Debit Card Fees or set up fees.
  • Free online banking and Bill Pay.
  • Free Optima HSA Checks for life.
  • No Monthly Service Charge.
  • No Minimum Balance required.
  • Minimum Deposit to open: $100.
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CUSTOMER INFORMATION LINE

603-433-9600


FULL-SERVICE BRANCHES

Portsmouth
Downtown

603-433-9611
Two Harbour Place
Portsmouth, NH
03801

Portsmouth
Pease Tradeport

603-433-9655
20 International Drive
Portsmouth, NH
03801

Bedford

603-488-6040
99 S River Rd
Bedford, NH
03110

North Hampton

603-433-9633
26 Lafayette Road
North Hampton, NH
03862

Stratham

603-773-5222
17 Portsmouth Avenue
Stratham, NH
03885

CORPORATE OFFICES

603-433-9600
Two Harbour Place
Portsmouth, NH
03801

LOAN OFFICES

Dover

603-516-1175
828 Central Avenue
Dover, NH
03820