Personal Checking

You want a simple, convenient and low-cost checking account that fits your lifestyle and personal needs. That’s why we offer a wide range of options to make your everyday banking easier than ever. Choose one that’s right for you!

Basic Checking

This is our most popular checking service and it is your basic checking account. We have a low opening/minimum balance of just $100, and there is no monthly fee if you keep an average daily balance of $500 or more. Plus, this type of account gives you unlimited check writing, a monthly statement, a free ATM card, and free ATM access to Bank of the Orient's ATMs.

Interest Checking

If you want interest on your checking account and keep an average daily balance of $2,000 or more ($500 or more for banches in Hawaii), consider our Interest Checking account. The minimum/opening balance is just $100. Plus, you get unlimited check writing, a monthly statement, a free ATM card, and free ATM access to Bank of the Orient's ATMs.

Low Cost Checking

For cost-conscious consumers who prefer to keep a low balance and who do not write many checks, consider our Low Cost Checking option in California or Hawaii. There is no minimum balance, and you need just $100 to open an account. Whatever your balance, your monthly service charge is $4.50 in California and $2.00 in Hawaii. Use your free ATM card or visit our branches as often as you like. Plus, you can make up to eight transactions, including checks and ACH debits per statement period at no charge.

Seniors’ Checking

If you are aged 62 or over, make the most of your golden years. Enjoy an account that has no minimum balance requirement, no monthly service fee, unlimited check-writing, a monthly statement, a free ATM card, and free ATM access to Bank of the Orient’s ATMs. Open a Seniors’ Checking account with just $100.