Smart Checking

Personal Checking

Senior Checking (55+)

Earns Interest

No

Yes

Yes

Minimum opening deposit

$100

$100

$100

Balance requirement to avoid monthly service fee

None

$500 minimum daily balance

None with Direct Deposit or $500 minimum daily balance*

Monthly service fee if minimum balance is not met

None

$3

$3

OPB Checkcard

Free

Free

Free

OPB by Phone

Free

Free

Free

Online Banking

Free

Free

Free

Bill Pay

Free

Free

Free

Checks

Varies

Varies

Free*

Overdraft and NSF Fees*

$25

$25

$25

Non-Bank ATM Withdrawl Fee

None

None

None

Reimbursed ATM service charge

Yes

Yes

Yes

International ATM Withdrawl Fee

None

None

None

*Please see our fee schedule for information on other fees that may be assessed to your account such as fees for overdrafts, stop payment, and other services.

Qualified customers for Senior Checking product are allowed one standard check order (200 checks) per year.

Ohana Pacific Bank reserves the right to amend or terminate the terms for this account at any time.

Overdraft Protection may be subject to credit approval. Fees apply.