Optimum Checking
Earn 2.01% APY* on balances up to $25,000
Earn 0.51% APY* on balances over $25,000
Earn 0.10% APY* if qualifications aren't met
Optimum Rate Qualifications Each Cycle:
- Enroll and receive electronic statements
- Have at least one automatic payment or direct deposit post and clear per qualification cycle
- Have at least 10 debit card transactions with your Visa® Debit Card (not ATM) post and clear per qualification cycle
- Minimum to open account is $100
- No mimimum balance requirement thereafter
- Free On-line Banking
- Free Visa® Debit Card
- Free ATM access at Instant Cash® ATMs nationwide, including most Wells Fargo® branch ATMs (other than California)
- ATM Fee Refunds Nationwide when qualifications are met
- Fees may reduce earnings
- Qualifying transactions must post and clear the account during the monthly qualification cycle. (Transactions may take one or more business days from the transaction date to post to an account.)
- Intra-bank transfers do not count as qualifying ACH transactions.
- Available for Personal Accounts Only
Ready to start earning?
Just print and fill out a new account application and stop in to one of our branches. If you’re short on time, you can fax a copy of the completed form to us with a copy of a valid photo ID (driver’s license, passport, military, state issued) and we’ll begin the process without you. You’ll still need to stop in to one of our branches to finalize the documents and show us your valid photo ID but your time investment will be greatly reduced. A minimum opening deposit of $100 is required.
*Annual Percentage Yield accurate as of May 11, 2011. Rates are subject to change without notice.