Personal Checking Accounts
Your Everyday Money, Managed Wisely.
Personalize your banking experience with flexible checking options.
Our range of Personal Checking accounts is designed to align with your unique lifestyle, offering tailored solutions that cater to your liquidity needs, everyday transactions, and wealth growth ambitions.
Compare Checking Accounts
Personal Checking
Ideal To: Handle daily transactions effortlessly
Minimum Opening Deposit: $1,200
Interest: None
Monthly Maintenance Service Charge: $10 service charge + $0.50 per debit item
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3: $1,200 OR 62 years old or above
Check Writing: Unlimited
Transaction Limitations: Unlimited
FDIC Insurance Coverage: Up to $250,000 for each account ownership category
Personal Rewards Checking
Ideal To: Earn interest while managing finances
Minimum Opening Deposit: $1,500
Interest: Yes, if the daily balance is $1,500 or above2
Monthly Maintenance Service Charge: $10 service charge + $0.50 per debit item
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3: $1,500
Check Writing: Unlimited
Transaction Limitations: Unlimited
FDIC Insurance Coverage: Up to $250,000 for each account ownership category
Personal Super Checking
Ideal To: Enjoy integrated banking with a comprehensive menu of benefits1
Minimum Opening Deposit: $10,000
Interest: None
Monthly Maintenance Service Charge: $40 service charge
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3 : $10,000
Check Writing: Unlimited
Transaction Limitations: Unlimited
FDIC Insurance Coverage: Up to $250,000 for each account ownership category
Ideal To: Waive monthly charge easily
Minimum Opening Deposit: $2,500
Interest: None
Monthly Maintenance Service Charge: $10 service charge + $0.50 per debit item
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3: $2,500 OR a combined balance of $5,000 with Personal Super Savings
Check Writing: Unlimited
Transaction Limitations: Unlimited
FDIC Insurance Coverage: Up to $250,000 for each account ownership category
Personal Premier Checking
Ideal To: Enjoy integrated banking with a comprehensive menu of benefits1
Minimum Opening Deposit: $10,000
Interest: None
Monthly Maintenance Service Charge: $40 service charge
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3: $10,000
Check Writing: Unlimited
Transaction Limitations: Unlimited
FDIC Insurance Coverage: Up to $250,000 for each account ownership category
Personal Checking
Personal Rewards Checking
Personal Super Checking
Personal Premier Checking
Ideal To
Handle daily transactions effortlessly
Earn interest while managing finances
Waive monthly charge easily
Enjoy integrated banking with a comprehensive menu of benefits1
Minimum Opening Deposit
$1,200
$1,500
$2,500
$10,000
Interest
None
Yes, if the daily balance is $1,500 or above2
None
None
Monthly Maintenance Service Charge
$10 service charge + $0.50 per debit item
$10 service charge + $0.50 per debit item
$10 service charge + $0.50 per debit item
$40 service charge
Minimum Average Daily Balance to Waive Monthly Maintenance Service Charge3
$1,200 OR 62 years old or above
$1,500
$2,500 OR a combined balance of $5,000 with Personal Super Savings
$10,000
Check Writing
Unlimited
Unlimited
Unlimited
Unlimited
Transaction Limitations
Unlimited
Unlimited
Unlimited
Unlimited
FDIC Insurance Coverage
Up to $250,000 for each account ownership category
Up to $250,000 for each account ownership category
Up to $250,000 for each account ownership category
Up to $250,000 for each account ownership category
- No charges will apply to incoming international wire transfers, phone transfers, debit transactions, bank statement copies, paid check images, and the first order of standard checks for the Personal Premier Checking Account. These fee waivers are subject to change at New Omni Bank’s discretion without prior notice to its customers.
- Interest will be calculated using the Daily Balance Method, credited, and compounded monthly. The Daily Balance Method means the application of a daily periodic rate to the full amount of principal in the account each day. If the account is closed before the accrued interest is credited to your account, you will not receive the accrued interest.
- The Monthly Maintenance Service Charge will be waived if the accounts maintain an Average Daily Balance no less than the opening deposit amount. The Average Daily Balance is calculated by taking the aggregate daily account balance and dividing it by the number of calendar days in the statement cycle.
Effective March 15, 2024. For more detailed information, see Deposit Agreements and Disclosures and Deposit Rate Sheet. Products, services, interest rates and fees are subject to change. You may visit FDIC Electronic Deposit Insurance Estimator (EDIE) to find out how much your deposits are insured https://edie.fdic.gov/index.html.
Elevate Your Banking Experience
Discover how each Personal Checking account can enhance your financial journey.
Discover the convenience of unlimited check writing combined with comprehensive online banking features.
Merge convenience with value by earning competitive interest rates on your transactional account.
Combine with Personal Super Savings for greater fee benefits, and even more seamless fund transfers.
Premier banking for those seeking comprehensive benefits and an elevated experience.
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