Personal Account Rates
Helping you save with a sense of purpose.
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Savings
Rates
Grow your savings with a flexible high-yield account that fits your changing lifestyle.
Minimum Balance
Annual Percentage Yield 1
Interest Rate
CDs/IRA CD (Time Deposit)* Rates
Low risk, high reward with a great rate you can lock in.
Please note, IRA Time Deposits are not available online.
Checking/Money Market Rates
Increase your earning power and enjoy the flexibility of our checking accounts.
Minimum Balance
Annual Percentage Yield ^
Interest Rate
Minimum Balance
Annual Percentage Yield ^
Interest Rate
* ConnectOne Bank opens CDs as Time Deposits. The name of the product in all account related notices, including but not limited to, tax forms and statements, will be Time Deposits. You will not receive a certificate upon opening the account.
** Annual Percentage Yield (APY) is effective as of 12/23/25 and subject to change at any time and without notice. Early withdrawal penalties may be imposed and the fee could reduce interest and principle for Time Deposits. You must deposit at least $500 to open a Time Deposit. The terms advertised above are Promotional Rates. Additional rates available by visiting your local banking office or calling us at 844-266-2548.
^ Annual Percentage Yield (APY) is effective as of 12/23/25 and subject to change at any time and without notice. This offer may be withdrawn at any time without prior notification. Rate in effect at time of account opening. This is a variable rate account. Your interest and APY may change without notice. Fees can reduce earnings.
1 Annual Percentage Yield (APY) is effective as of 12/23/25 and subject to change at any time and without notice. This is a variable rate account. This is a tiered rate account and the interest paid is based on the amount of funds on deposit in the account. The tiers are as follows: Tier I: $0.00 - $2,499.99 will earn an APY of 0.00%; Tier II: $2,500.00 - $249,999.99 will earn an APY of 3.00%; Tier III: $250,000 and up will earn an APY of 3.10%. This offer may be withdrawn at any time without prior notification. Rate in effect at the time of account opening. Your interest and APY may change without notice. Fees can reduce earnings. You must deposit $2,500.00 to open this account.
We will match an advertised rate and product of an FDIC-insured competitor with retail locations in New York, New Jersey, and/or Palm Beach County, Florida up to 90 days. Online subsidiaries excluded. Checking, Money Market, Savings and Time Deposits are eligible for rate matching. Offer must be current and verifiable by ConnectOne Bank. Product features may vary. Time Deposit term must be offered by ConnectOne Bank. Promotion applies to Consumer accounts only and is subject to change at any time and without prior notice. After the promotional period, the account’s annual percentage yield (APY) will reset to the standard product rate at that time.
1 No monthly maintenance fee. No fees for cash processing/deposits. No incoming wire fees. No monthly minimum balance requirement. No fees if the number of transactions is 500 or less per statement cycle. If that limit is exceeded, a $25.00 fee will be charged per statement cycle. Please contact your local banker for a complete list of service charges. Additional fees apply for Positive Pay and wire transfers. The Small Business Checking Account is not eligible for Remote Deposit Capture Scanner or other cash management solutions such as ACH Origination, lockbox. or Sweep accounts. Minimum to open a Small Business Checking account is Sl00.00.
2 All businesses must enroll in Positive Pay when opening any business checking and/or business money market checking account. Positive Pay is a service enabled in Business Online Banking that can prevent check and ACH fraud on your account. The monthly fee for Positive Pay is S25 per account. Once your account is successfully opened, a ConnectOne Bank representative will contact you to set up Positive Pay for your account. You may elect not to enroll in Positive Pay and will be required to sign a Positive Pay Opt-Out Agreement
3 Zelle@ and the Zelle® related marks are wholly owned by Early warning Services. LLC and are used herein under license. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution's online or mobile banking experience. Transactions between enrolled users typically occur in minutes. Your business must have an existing relationship of 30 calendar days or longer with ConnectOne Bank to enroll in Zelle for Small Business.
4 Fees and features of Autobooks subject to change based on terms and condition of the service. Autobooks Service agreement is presented at enrollment and is available on request by contacting Autobooks support. To use Auto books through ConnectOne Bank. you must have an active business checking account to be enrolled in Business Online Banking, and accept the Autobooks Terms and Conditions upon enrollment. ConnectOne Bank's privacy and security policies do not apply to 1he Autobooks website or platform.
