Compare Checking Accounts

Effective as of 12/31/2025

Account Feature	Optimum One Checking	Optimum Plus Checking	Simple Checking
Minimum Opening Deposit	$10	$10	$10
Monthly Fee	$10*	$15**	$0
Earns Interest		.01%
Unlimited Worldwide ATM Surcharge Fee Reimbursement	✔	✔	Access to 55,000+ Surcharge-free Allpoint and SUM Network ATMs¹
Personal Finance Management Tool	✔	✔	✔
Free Cashiers Checks and Money Orders	✔	✔
24/7 Account Access with Online & Mobile Banking	✔	✔	✔
Debit Card Rewards	✔	✔	✔
Discount on Checks	50% off first order of Basic Style Checks	Free Basic Style Checks	50% off first order of Basic Style Checks
International Buying Power with Visa^® Debit Card	✔	✔	✔
Cash Reserve Annual Fee Waived		✔
	Learn More	Learn More	Learn More

*Monthly maintenance fee waived with one of the following: Maintain monthly direct deposit of $500, maintain an average daily balance of $1,500, or use your debit card 5 times per month for Point of Sale Transactions not ATM.

**Monthly fee of $15 is waived if the average daily balance in your checking is $10,000 or greater or if your combined checking, savings, money market, CD and IRA balances are $25,000 or greater.

¹ ATM Transactions (surcharge) crediting back 100% of ATM surcharge to a maximum of $10.00 cycle credit.