We're prepared to work with you. To
listen. To ask questions. And, most importantly, to provide
solutions. A savings account can be an important investment tool and
an integral part of your overall financial picture.
OptimumBank is participating in the FDIC’s Transaction Account Guarantee
Program. Under that program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC
for the entire amount in the account. Coverage under the Transaction Account
Guarantee Program is in addition to and separate from the coverage available
under the FDIC’s general deposit insurance rules.
Regular
Savings
Requirements:
$100 minimum deposit to open account.
Features
No monthly maintenance fee when you maintain a
$500.00 average daily balance or when you have direct deposit.
Interest compounded daily, credited monthly.
ATM card available.
OptimumBank does not charge any ATM transaction fees to its
customers.
Monthly Statement with EFT/ACH activity, otherwise quarterly.
FDIC Insured.
Fees:
$10.00 monthly maintenance fee.
Restrictions:
Transaction limitations. During any monthly statement cycle, you may
not make more than six withdrawals or transfers to another account
of yours or to a third party by means of a preauthorized or
automatic transfer or telephone order or instruction, computer
transfer, or by similar order to a third party.
Optimum
Savings
Requirements:
$100 minimum deposit to open account.
$5000 minimum balance to Earn Interest (Note: You must maintain a
minimum balance of $5,000.00 in the account each
day to obtain the disclosed annual percentage yield.)
Features:
No monthly maintenance fee when you maintain a $5000.00 average
daily balance or when you have direct deposit.
Interest Rate tiered by account balance, compounded daily, credited monthly.
ATM card available.
OptimumBank does not charge any ATM transaction fees to its
customers.
Monthly Statement with EFT/ACH activity, otherwise quarterly.
FDIC Insured.
Fees:
$15.00 monthly maintenance fee.
Restrictions:
Transaction limitations. During any monthly statement cycle, you may
not make more than six withdrawals or transfers to another account
of yours or to a third party by means of a preauthorized or
automatic transfer or telephone order or instruction, computer
transfer, or by similar order to a third party.
Certificate
of Deposits
Requirements:
$1000 minimum deposit to open account.
Features:
Three-month to five-year certificates available.
Interest compounded daily, credited monthly.
FDIC Insured.
Restrictions:
You may not make any deposits into your account
before maturity.
©2010 OptimumBank.com
$100 minimum deposit to open account.