| Visa Debit Card |
- No fee for On-Us ATM transactions (Withdrawal limit $500 per business day)
- No fee for Point-Of-Sale transactions (Withdrawal limit $5,000 per business day)
- Rebate up to $10 per month on foreign ATM transaction fees
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| Online Banking |
- Free 24 hour access by any online computer at optimabank.com
- View current interest rates, account information and check images
- Transfer funds and make loan payments
- Place stop payments and order checks
- Receive emails when important events happen on your account
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| Online Bill Payment |
- Free internet bill payment through PowerPay software
- Downloadable to Microsoft Money, Intuit Quicken and QuickBooks files
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| Commercial Cash Management |
- Online Deposit
- Positive Pay Fraud Pevention
- Lockbox
- Repurchase Agreement
- Account Reconciliation
- ACH & Domestic Wire Transfer Origination
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| Merchant Services |
- Elavon Network Payment Processing Solutions
- Credit and Debit Cards
- Dynamic Currency Conversion
- Point-Of-Sale Solutions
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| Online InterBank Transfer |
- Free Interbank transfers
- Transfer funds from and to another financial institution online
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| Automatic Transfer |
- Periodic Transfers: Transfer a specific amount on a specific date
- Make recurring loan payments
- No fee for automatic transfers
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| Sweep Transfer |
- Maintenance Transfers: Maintain a specific account balance at all times
- Insufficient Funds Transfers: Protect account from overdrafts
- $10 fee per sweep transfer
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| ATM Card |
- No fee for On-Us ATM transactions (Withdrawal limit $500 per business day)
- Rebate up to $10 per month on foreign ATM transaction fees
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| Phone Banking |
- Free 24 hour access by any touch tone phone at 1-866-541-2429
- Hear current interest rates and account information
- Transfer funds and make loan payments
- Place stop payments
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| Safe Deposit Box |
- Checking Account Required to lease Safe Deposit Box
- Available sizes and annual rents; 3x5 ($40), 3x10 ($80) and 10x10 ($240)
- Annual rent payment automatically transferred from checking account
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| Night Depository |
- Night Depository available 24 hours a day, 7 days a week
- Deposits held in secure vault and credited on the next business day
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