APY
0.15%
As of Nov 1, 2026. Rates are variable.
Oriental Bank · Checking account
Oriental Junior Account
$2 a year for an everyday customer. No monthly fee. $250 to open.
- A year, everyday customer
- $2
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer document · orientalbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · orientalbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer document · orientalbank.com · PDF
The source states this figure; we have no exact sentence on file yet.
Features
- Bill pay
- Cash deposit ATM
- Debit card
- Minor accounts
- Mobile check deposit
- Mobile wallet
- Overdraft grace period
- Overdraft protection transfer
- Spending alerts
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0.01 to $499.99
- 0.05%
- $500 to $24,999.99
- 0.10%
- $25,000 to $49,999.99
- 0.15%
- $50,000 to $99,999.99
- 0.15%
- $100,000 and up
- 0.15%
The bank’s rates · as of Nov 1, 2026
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01orientalbank.com, checked Nov 1, 2026
- To earn the APY
- You must maintain a minimum average daily balance of $0.01 in the Account during the cycle to obtain the disclosed Annual Percentage Yield (APY).orientalbank.com, checked Nov 1, 2026
- Interest compounds
- Interest, if any, will be compounded and credited to your Account on a monthly basis.orientalbank.com, checked Nov 1, 2026
Fees
- Monthly fee
- Noneorientalbank.com, checked Nov 1, 2026
- Minimum to open
- $250orientalbank.com, checked Nov 1, 2026
- Overdraft fee
- $30orientalbank.com, checked Nov 1, 2026
- Returned item (NSF) fee
- $25orientalbank.com, checked Nov 1, 2026
- Withdrawals a month
- 15orientalbank.com, checked Nov 1, 2026
- Fee for each withdrawal over the limit
- $0.15orientalbank.com, checked Nov 1, 2026
- ATM network
- Oriental’s or one of the affiliated networks Allpoint® or Sharenet®orientalbank.com, checked Nov 1, 2026
- Out-of-network ATM fee
- Noneorientalbank.com, checked Nov 1, 2026
- Foreign transaction fee (debit card)
- 1.05%orientalbank.com, checked Nov 1, 2026
- Incoming domestic wire
- $15orientalbank.com, checked Nov 1, 2026
- Incoming international wire
- $15orientalbank.com, checked Nov 1, 2026
- Outgoing international wire
- $100orientalbank.com, checked Nov 1, 2026
- Paper statements
- $2 a monthorientalbank.com, checked Nov 1, 2026
- Inactivity fee
- $5orientalbank.com, checked Nov 1, 2026
- Early closure fee
- $20orientalbank.com, checked Nov 1, 2026
- Card replacement
- $5orientalbank.com, checked Nov 1, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money