Our interest rates can be found here.

For exclusive, online only account such as the OneConnection Savings, refer to the Online Personal Account Rates page.

To open an account online, you must:

• Be a legal U.S. resident
• Be at least 18 years old
• Have a Social Security Number
• Have a valid Driver's License, State ID or Passport
• Have your funding source information readily accessible

Yes! You can apply for a joint checking, savings, and time deposit account online. 

Complete the application as you normally would. Once your application has been approved, you may add your secondary account holder directly from the online portal, and they will receive an email prompting them to fill out their information.

Please note, your joint account holder will need to be added to each individual account you apply for. They will not be automatically added to all accounts opened within the session.

No. To open an account under a trust, please visit one of our banking offices. Click here to find a location near you.

It takes about 10 to 15 minutes to open an account online. If you already have a ConnectOne Bank account, there is a fast path option that will allow you to save a few extra minutes.  

To get started, you must:

• Be a legal U.S. resident
• Be at least 18 years old
• Have a Social Security Number 
• Have a valid Driver's License, State ID, or Passport
• Have your funding source information readily accessible

Yes, you may have up to four beneficiaries on your account. You will need your POD’s name, Social Security Number (SSN), Date of Birth (DOB), and Address.

If you apply for an account online, you will have access to your own ConnectOne Bank application portal. In this portal, you can request to add any beneficiaries to your account. 

Please contact us if you need assistance.

Note, PODs are currently not available for business accounts.

To close your account, contact us at 844-266-2548 or your local banker.

You will receive a maturity notice by mail prior to the maturity date of your CD (Time Deposit)^†. At this point, you can notify the bank, (by phone, in a branch, or by emailing [email protected]) if you decide to close the Time Deposit.

If you choose to close the CD you will receive the amount in your account upon maturity in one of the following methods:

• A check can be mailed to you
• Funds can be transferred into your other existing ConnectOne Bank checking, savings, or Money Market checking account
• Upon request, we can transfer the funds back to your original funding Financial Institution

If you don’t notify the bank that you’d like to close the CD, your account will automatically renew after 10 calendar days for the term indicated in your CD disclosure at the prevailing rate. More information can be found in the Time Deposit Truth-In-Savings disclosure.

When you're opening your account online:

You can fund your new ConnectOne Bank account through a couple of different options.

• ACH transfer from your account at another bank. We just need your account and routing number from that financial institution. 

• If you are an existing ConnectOne Bank client, you can transfer funds from one of your other ConnectOne accounts. 

• Login with your other financial institutions' credentials with Plaid funding

The minimum opening balance varies by account.

Please see our personal or business product page for minimum opening balances. Otherwise, it will be noted in the application portal before you apply.

You can view your account by logging in to your online banking account or checking your account on your mobile app. If you have not enrolled in online banking, you can do so here.

Please allow 24-48 hours for your new account to appear in online banking after account opening.

Once your account is open, you can make deposits by:

• Set up direct deposit with your employer
• Using the Remote Check Deposit feature in our ConnectOne Bank mobile app
• Transferring funds from an existing ConnectOne Bank account (if applicable)
• Transfer funds from an account you have at another financial institution using our External Transfer service
• Visit a ConnectOne Bank location and deposit checks or cash into the account

External ACH fund transfers initiated through ConnectOne Bank's online banking platform are limited to $3,000.00 per day.

Transfers to or from your ConnectOne Bank account initiated by another financial institution are subject to their transfer limits.

Refer to our Consumer eBanking Account & Services Agreement for more details.

Funds from deposits of electronic deposits and wire transfers are available on the same business day of deposit. 

Funds from checks deposited are available the following business day.

New account holds and additional holds may apply.

Please refer to our Funds Availability Policy for more details.

You can withdraw funds from your account by:

• Transfer funds to an existing ConnectOne Bank account (if applicable)
• Transfer funds to an account you have at another financial institution using our External Transfer service online

For CD Accounts:

• Upon maturity, you can renew the term for your CD. If you decide to close the CD, please contact us and we will mail you a check in the amount in your account upon maturity.
• If you wish to withdraw funds from your CD before the maturity date, please contact us. Please note, early withdrawal penalties may apply. More information can be found in the Time Deposit disclosure.

Sign in to your online banking:

• Navigate to 'Make an External Transfer' under the 'Pay and Transfer' tab
• Click on 'Add an External Transfer Account'
• Enter your bank's routing and account numbers
• Click 'Continue'

You will receive a confirmation email. In order to verify your account at the other bank, we will send test deposit and withdrawal transactions within 2 to 3 business days. Each transaction is less than one dollar.

Once you see these transactions in your other bank account, note the two test deposit amounts with a description of 'TEST TRAN' and sign in to your ConnectOne Bank online banking.

• Navigate to 'Make an External Transfer' under the 'Pay and Transfer' tab
• Select 'Verify' for the account you are linking
• Enter the two test deposit transaction amounts and
• Click 'Submit'

If you need assistance, please contact our support team at 844-266-2548 or [email protected].