Optimum Checking

Earn the returns you deserve with Optimum Checking.

  • 1.50% APY, balances up to $40,000
  • 0.05% APY, balances above $40,000
  • ATM Refunds, up to $10.00 per month

To earn the benefits simply:

  • Subscribe to E-statements
  • Log-in to Flightline Online Banking Once Per Month
  • Conduct 20 True Sky Debit or Credit Card Transactions Per Month (excluding ATM transactions)
  • Minimum of $5.00 Per Transaction
  • Maintain One Direct Deposit Per Month
  • Be Current On All True Sky CU Loans and Obligations

Now True Sky Debit AND Credit card transactions count towards the monthly qualifications!

*APY= Annual Percentage Yield. These are the terms as of February 1, 2016 and are subject to change at anytime. The above stated APY will be paid on the portion of account balances up to $40,000. If the above requirements are not met, the account will earn the default APY of 0.05%. The balances exceeding $40,000 will earn an APY of 0.05%. Dividends are calculated using the daily balance method, which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day that the funds are deposited. Dividends will be compounded and credited monthly. The dividend rates and annual percentage yields may change at any time, as determined by the board of directors. Only one Optimum Checking account per primary member. Credit Card and Check card transactions must be conducted and posted to the account by the last business day within each statement month. ATM transactions do not qualify as a transaction. The ATM refunds only apply to domestic ATMs. Direct deposit must be received and posted within each statement month to receive credit. If the account holder (including joint owner) is a signer or co-signer on any loan that becomes delinquent greater than thirty (30) days, the account will not earn the above stated APY and will revert to the default APY of 0.05%. If the accountholder (including joint owner) is a signer or co-signer on any loan that is or becomes charged off, the account will not earn the above stated APY and will revert to the default APY of 0.05%. This includes delinquencies and charge offs of any amount. Federally insured by NCUA. Beginning March 1, 2016, Optimum Checking will have a minimum balance requirement of $500. As of November 1, 2016, if the balance falls below $500, a monthly $2.00 fee will be charged.