Optimum Checking  

Phoenix Community Bank

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How to Reach Us

By Phone
623.463.1440

By Fax
623.930.1440

By E-Mail
info@Bank1440.com

Main Office
7010 E. Chauncey Lane
Suite 120
(Scottsdale Rd and 101)
Map and Directions

Peoria Branch
14155 N. 83rd Avenue
Suite 117
(83rd Ave and Thunderbird)
Map and Directions

Lost or Stolen Debit Card
800-535-8440

Lost or Stolen Credit Card
800-854-7642

Better Business Burea Accredited Business

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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:

  1. Enroll and receive electronic statements
  2. Have at least one automatic payment or direct deposit post and clear per qualification cycle
  3. 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.

 
 
Frequently Asked Questions
  How and why are you offering such a high interest rate?
  Is this a temporary or "teaser" rate?
  What if I don't meet all 3 qualifiers?
  What if my new Visa® Debit Card arrives too late in the cycle and I don’t have time to qualify?
  How will I know that I have qualified for my rewards at the end of each cycle?
  I don’t live near a Bank 1440 branch, how can I make a deposit or withdrawal?
  Can I open multiple Optimum Checking accounts?
  Is this account FDIC insured?
  Are there any fees associated with Optimum Checking?
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