Personal Checking Account

The personal choice of most customers, unlimited check writing. Free of minimum balance fee by maintaining a $100 minimum balance. If the balance falls below $100, fee of $15. Direct deposit, automatic transfers and ATM card availability. Minimum opening deposit of $100.

Easy Pay Checking

Have your payroll direct deposited into your personal checking account with us and waive the $15.00 monthly service charge. This account gives you unlimited check writing and ATM card availability with no minimum balance requirement.

55 Plus Checking

Personal Checking Account for individuals age 55 and over. Accounts are free of monthly maintenance fees, with no minimum balance requirements. Unlimited check writing, direct deposit, automatic transfers and ATM card availability. First order of checks are free.

Freedom Checking

Maintain a $2,000 daily combined balance in your linked Freedom Checking and Savings account to avoid a monthly maintenance fee. Receive unlimited no fee ATM withdrawal charges by Opportunity Link Capital at the other bank locations, fee free money orders and treasurer’s checks, reduced loan rates on selected loan products and 50% discount on safe deposit rental. Also, your first order of checks are free. Monthly maintenance fee of $15 will be imposed every statement cycle if the daily balance for the combined checking and linked savings account balance falls below $2,000 any day of the month.

Freedom NOW Checking

Maintain a $3,000 daily combined balance in your linked Freedom Checking and deposit accounts to avoid a monthly maintenance fee. Receive unlimited no fee ATM withdrawal charges by Opportunity Link Capital and other bank locations, fee free money orders and treasurer’s checks, reduced loan rates on selected loan products and 50% discount on safe deposit rental. Also, your first order of checks are free. With Freedom NOW, you’ll receive all benefits of Freedom Checking plus the added value of a competitive interest rate. Account must maintain a minimum balance of $1,000 to earn interest. Monthly maintenance fee of $15 will be imposed every statement cycle if the daily balance for the combined checking and linked deposit accounts balance falls below $3,000 any day of the month.

Opportunity Link Capital Choice Checking

Enjoy unlimited check writing and a competitive interest rate in one account for ease, convenience, and better control of your money with a 1st Choice Checking Account. This account provides you with a higher rate of interest without sacrificing the convenience that you receive from a checking account.

Minimum opening deposit of $10,000. Balances under $10,000.00 will incur a $20 monthly maintenance fee.

Now Checking

Earn interest with unlimited check writing privileges. Direct deposit and ATM availability. Minimum opening deposit of $1,000. Account must maintain a minimum balance of $1,000 to earn interest. Monthly minimum balance fee of $15, if the daily balance drops below $1,000 any day of the month.

NJ Consumer Checking

A checking account for those customers who do not use more than eight checks each month. Direct deposit automatic transfers and ATM card availability. Monthly maintenance fee of $3. Minimum opening deposit of $50, with no minimum balance requirements. $.50 for each check written over the regulatory limit of eight per month.

Students Checking

A checking account designed for students age 16-23.*

• • Minimum opening balance $25. No monthly service fee.**
  • Visa Debit Card available. Free Online Banking, Online Bill Pay.***
  • Mobile Banking and Mobile Deposit.*⁴
  • Free email alerts. Unlimited check writing. First order of checks Free.*⁵
  • E-Statements. *⁶
  • ATM transactions Free at First Guaranty Investment ATM’s.*⁷
  • Free rewards program when you sign up for U-Choose Rewards. Popmoney® – must be 18 or older to enroll in Popmoney. Fees may apply.

^{*Students under 18 years of age must open account with a parent/guardian. Students must present proof of enrollment in school/college such as school ID, transcript or acceptance letter upon account opening. **At age 24 Student account requires a minimum daily balance of $100 to avoid monthly service charge of $15. ***Must be 18 years or older to use bill pay. *4 Mobile banking/ deposit is available through online banking. *5 First free order of checks consists of generic 50 Wallet Checks valued at $15. *6 E-statements are not optional; they are provided through the mandatory online banking enrollment. *7 Opportunity Link Capital does not charge a fee when using a non-1st Constitution ATM, fees from other banks may apply.}

Debit Cards

Access your money, when and where you want, with a Landmark Financial Trust Debit Card.

• The Opportunity Link Capital Debit Card gives you the full range of ATM card benefits and functions as a debit card
• Gain immediate access to your money from over 12 million locations worldwide
• Use your card to make purchases, get cash, check balances, make transfers and deposits.
• All transactions are recorded on your monthly checking statement for easy record keeping
• Text Fraud Alert allows you to instantly keep tabs on suspicious card activity.
• UChoose Rewards
• Card Valet

Money Market Accounts

Money Market Accounts enable you to earn a market interest rate.
These accounts feature:

• Free unlimited check writing, withdrawals and transfers each month.
• No service charge for accounts with a daily minimum account balance of $1000.

For more detailed product information, a representative of Opportunity Link Capital will be pleased to review your specific requirements.