Rates effective as of 02/16/2022
APY = Annual Percentage Yield
Fees may reduce earnings.
Rates are subject to change at any time.
Compare Accounts
| 360° Cash Checking | 360° Cash Back Checking | Free Checking Plus Interest + | Direct Deposit Checking + |
Rewards Checking |
Optimum Checking + |
|
|---|---|---|---|---|---|---|
| Minimum deposit to open | $50 | $50 | $50 | $50 | $100 | $10,000 |
| Earns Interest | Yes, at 1.25% APY if qualifications are met, 0.05% APY if qualifications are not met. | No. 1.25% cash back on debit card purchases, up to $5.00 per month if qualifications are met. | Yes for Balance > = $500.00 | No | Yes for Balance > = $500.00 |
Yes tiered rates
< $25,000
$25,000 < $50,000
$50,000 < $100,000
$100,000 < $250,000 $250,000 and > |
| Minimum Balance to Avoid Service Charge | No | No | No | No | $5,000 balance in any deposit account OR $5,000 balance in any loan account | $10,000 |
| Monthly Service Charge | Free | Free | Free | No fee with direct deposit* | $10 | $15 |
| Per Check Withdrawal Charge | No | No | No | $.25 per debit over 10, if no Direct Deposit |
No | No |
| Online Banking Access | Yes | Yes | Yes | Yes | Yes | Yes |
| Online Bill Pay Fee | Free | Free | Free | Free |
Free |
Free |
| "Auto Teller" Telephone Banking at No Charge | Yes | Yes | Yes | Yes | Yes | Yes |
| Monthly Statement with Check Safekeeping | Yes | Yes | Yes | Yes |
Yes |
Yes |
| Home Loan Checks Provided at No Charge | No | No | First Order Free | First Order Free |
50% discount Free if age 55+ |
Yes |
| Debit Card | Yes | Yes | Yes | Yes | Yes | Yes |
| Cashier Checks at No Charge | No | No | No | No |
Yes |
Yes |
| No Fee Withdrawals From Non Home Loan ATMs** | Yes, if qualifications are met. | Yes, if qualifications are met. | No | No |
No |
Yes |
| Annual Fee Waived on Overdraft Protection | No | No | No | No |
No |
Yes |
| Small Safe Deposit Box Annual Fee | $45 | $45 | $45 | $45 |
$45 |
No Charge |
| Incoming Wire Transfers | $20 | $20 | $20 | $20 |
$20 |
No Charge |
| Can an Individual Open This Account? | Yes | Yes | Yes | Yes |
Yes |
Yes |
| Can a Business Open This Account | No | No | No | No |
No |
No |
| Can a Non-Profit Open This Account | No | No | No | No |
No |
No |
* Basic Checking fees apply any month a direct deposit is not received.
**Other banks may apply fees.
***Subject to credit approval.
****Subject to availability.
+ For additional disclosure information please refer to the Account Rules and Regulations provided upon request at any of our banking centers