Deposit Services

We understand ​the challenges your business faces in today’s dynamic marketplace. That’s why we’ve tailored our Deposit Accounts to your volume of transactions, with fee-free options for smaller businesses and accounts that help offset your cost of banking based on collective account balances for larger businesses.

CONVENIENT AND EASY DEPOSIT AND CHECKING SERVICES

​Let our Technology Bankers help you choose the Deposit Account best suited to managing your liquidity needs.

CHECKING ACCOUNTS​

  • Commercial Analyzed Checking – Recommended for Medium to Large Businesses with significant transaction volume that need advance/Premium Treasury Management Services
  • Basic Business Checking – Recommended for Businesses with low transaction volume that do not need Treasury Management Services​
  • Premium Business Checking – Recommended for Businesses with growing transaction volume that do not need Treasury Management Services and have other checking accounts with Opus Bank
  • Business Interest Checking – Recommended for Businesses with low transaction volume that do not need Treasury Management Services and have excess short term liquidity

BUSINESS
ACCOUNTS

BASIC BUSINESS CHECKING

BUSINESS INTEREST CHECKING

PREMIUM BUSINESS CHECKING

BUSINESS ANALYZED CHECKINGCOMMERCIAL ANALYZED CHECKING
Opening deposit $100.00 $100.00 $100.00 $100.00  $100.00 
Monthly service charge $15.00 $10.00 $20.00 $25.00 

$10 paper statement fee (enroll in eStatements to avoid fee)
$15.00 

$10 paper statement fee (enroll in eStatements to avoid fee)
How to avoid monthly service charge $2,500.00 average monthly balance $2,500.00 minimum daily balance or $10,000.00 average monthly balance $5,000.00 minimum daily balance or $15,000.00 combined average monthly balance with other primary Opus Bank checking accounts Earnings credit rate is calculated on average available balance and applied to offset fees Earnings credit rate is calculated on average available balance and applied to offset fees
Debit card Yes Yes Yes Yes Yes
Interest bearing No Yes1 No Earnings Credit Earnings Credit

Monthly transaction items

Up to 250 transaction items included at no charge2

$0.13 per item after the first 250
Up to 250 transaction items included at no charge2

$0.13 per item after the first 250
Up to 1,000 transaction items included at no charge2

$0.13 per item after the first 1,000
Refer to Banker for Details

Refer to Banker for Details

Cash Deposit fee No charge up to
$10,000 per month

$1.25 per $1,000 deposited above
$10,000 per month
No charge up to
$10,000 per month

$1.25 per $1,000 deposited above
$10,000 per month
No charge up to
$10,000 per month

$1.25 per $1,000 deposited above
$10,000 per month
No charge up to
$10,000 per month

$1.25 per $1,000 deposited above
$10,000 per month
$1.25 per $1,000

Specialty ACCOUNTS

CONTACT US TODAY AND PUT THE STRENGTH OF AN OPUS BANK TO WORK FOR YOUR BUSINESS

1 Your Interest Rate & Annual Percentage Yield (APY) may change after the account is opened. Fees could reduce earnings.
​2 Transactions include deposit tickets, checks deposited, checks paid, over the counter trasactions (OTC), ACH credits and ACH debits.

3 Federal regulations limit certain types of withdrawls or transfers from this account to six (6) per month. Refer to Banker for full account
   terms and conditions.
4 Savings and Money Market accounts must have a checking account linked in order to be issued a debit card.