No Service Charge Personal Checking*
A simple checking account that requires no minimum balance.
- Unlimited check writing
- $100 minimum opening deposit
- Free Touch-ToneTM Banking available
- ATM cards available with no transaction fee**
- Monthly image statement
- Check Cards available (subject to credit approval)
Personal "NOW" Account
A checking account that provides the added benefit of earning interest.
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- Unlimited check writing
- $6.00 monthly service charge if the average daily balance is below $750.00***
- Interest paid on all balances
- Free Touch-ToneTM Banking available
- ATM cards available with no transaction fee**
- Check Cards available (subject to credit approval)
- $100.00 minimum opening deposit
- Monthly image statement
Personal Money Market Account
This account provides the benefit of paying a higher variable rate of interest based on your account balance.
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- Unlimited over-the-counter withdrawals
- Six transfers to third parties are permitted per month (of those six, three may be by check
- $7.00 monthly service charge if the average daily balance is below $2,500***
- Interest is paid on all balances
- Free Touch-ToneTM Banking available
- $2,500.00 minimum opening deposit
- $3.00 fee per each excess withdrawals
- Monthly image statement
Personal Savings Account
A statement savings account, which earns a competitive variable rate of interest and provides a quarterly statement.
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- No minimum opening deposit
- Free Touch-ToneTM Banking available
- 9 withdrawals permitted per quarter
- $2.00 fee for each excess withdrawal
- Quarterly statement provided
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For more information on all our Personal Banking options..
Click here
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Senior Checking "Now" Account
A checking account providing those aged 50 and older the benefit of earning interest with no monthly service charge.
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- Unlimited check writing
- Monthly image statement
- No monthly service charge
- Interest paid on all balances (click here for rates)
- Complimentary bank selected checks
- Complimentary Cashier's Checks and Traveler's Checks
- Free Touch-ToneTM Banking available
- ATM cards available with no transaction fee**
- Check Cards available (subject to credit approval)
- $100.00 minimum opening deposit
Certificates Of Deposit
Terms are available from 7 days to 5 years providing greater flexibility when investing. Substantial penalties apply for early withdrawal. Minimum deposit required to open a CD account is $500. Interest is compounded monthly.
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Individual Retirement Accounts
IRA accounts are available with terms ranging from 18 months to 5 years. This type of account allows you to save for retirement and receive tax-deferred earnings. There is no minimum balance required to open this type of account. No annual fees. Interest is compounded monthly. Click here for rates!
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| * No monthly service charge with electronic statement option, $3.00 per month without.
**Although Old Florida Bank does not charge a transaction fee to use your ATM card at any machine, the owners of machines not operated by Old Florida Bank may impose a fee.
***The average balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
Small Business Capital
Get working capital for your small business with a merchant cash advance. Merchant cash advance funding is easy and you dont need a merchant account to qualify. Simply go to one of our business funding providers: NY MCA, 1st Global Capital, or MDS funding and apply on their website.
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