FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Personal Checking

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

VALUE CHECKING Simple, convenient everyday banking with flexible ways to avoid monthly service charges.
Account Features Unlimited check writing privileges Debit Card included Online Banking and Mobile Banking access Access to Bank of the Orient and MoneyPass ATMs 24/7 access to your funds
ACCOUNT SUMMARY
FEATURE	DETAILS
Minimum Opening Deposit	$100
Monthly Service Charge ⁽⁴⁾	$7
Ways to Waive Monthly Service Charge	Complete any ONE (1) of the following each monthly statement cycle: Minimum of ten (10) debit card Point of Sale transactions Direct Deposit Automatic Debit Electronic Credit Mobile Banking Deposit Automatic Bank of the Orient Loan Payment* Maintain a daily account balance of $1,000 or greater
Monthly Statement	No Charge
Interest Bearing	No
ATM Fees - Bank of the Orient & MoneyPass ATMs	$0
ATMs	Bank of the Orient does not charge a fee; third-party ATM operator fees may apply ⁽⁵⁾
ATM ACCESS
No ATM fees when using Bank of the Orient or MoneyPass ATMs. Withdraw cash from non-Bank of the Orient ATMs without a fee from Bank of the Orient. Third-party ATM operators may charge their own fees. ATM surcharge fee refunds are no longer offered.

PREMIUM INTEREST CHECKING Earn a premium interest rate while enjoying the convenience of a full-featured checking account.
Account Features Unlimited check writing privileges Competitive interest rate Debit Card included Online Banking and Mobile Banking access Access to Bank of the Orient and MoneyPass ATMs 24/7 access to your funds Interest compounded daily and credited monthly
ACCOUNT SUMMARY
FEATURE	DETAILS
Minimum Opening Deposit	$2,500
Monthly Service Charge ⁽⁴⁾	$15
Ways to Waive Monthly Service Charge	Maintain either Average daily balance of $2,500 or greater Monthly Direct Deposit or ACH Credit
Monthly Statement	No Charge
Interest Bearing	Yes
Interest Rate	See current Deposit Rate Sheet for applicable rates and APYs
Debit Card	No Charge
ATM Fees - Bank of the Orient & MoneyPass ATMs	$0
ATMs	Bank of the Orient does not charge a fee; third-party ATM operator fees may apply ⁽⁵⁾
ATM ACCESS
No ATM fees when using Bank of the Orient or MoneyPass ATMs. Withdraw cash from non-Bank of the Orient ATMs without a fee from Bank of the Orient. Third-party ATM operators may charge their own fees. ATM surcharge fee refunds are no longer offered.
ADDITIONAL INFORMATION
Interest is compounded daily and credited monthly. Interest begins to accrue on the business day eligible deposits are received. You may make withdrawals from the account at any time after opening. Deposits are FDIC insured up to applicable limits.
Important Information
The Bank reserves the right to change rates, fees, terms, and conditions at any time. Additional terms, conditions, limitations, and fees may apply. Please refer to the applicable Truth in Savings Disclosure and Schedule of Fees & Charges for complete account details.

SENIOR CHECKING If you are aged 62 or over, make the most of your golden years with our Senior Checking Account
Account Features Enjoy an account that has no minimum balance requirement, no monthly service fee, unlimited check-writing, a monthly statement, a Debit card, and ATM access to Bank of the Orient’s ATMs. Open a Senior Checking account with just $100.
ACCOUNT SUMMARY
FEATURE	DETAILS
Minimum Opening Deposit	$100 Open your new account with as little as $100
Monthly Service Charge ⁽⁴⁾	$0 A monthly statement showing account acivity is provided to you free of cost.
Monthly Statement	$0 A monthly statement showing account acivity is provided to you free of cost.
Monthly Service Charge	NO No Interest is paid on this account.