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Business Banking Products

Optima Bank & Trust is committed to helping businesses prosper. Our business checking and savings solutions are designed for your business today and to help you plan for the future.

As your business continues to grow, we’ll help you protect and maximize your earnings, while having access to your funds when needed.

 

Small Business Checking

Designed for businesses with simpler checking needs

  • Transactions – up to 250 per month; $0.50 each transaction over 250
  • $5 monthly service charge waived with $500 minimum balance
  • Business debit card
  • Online Banking with bill pay
  • Mobile Banking
  • ATM fees rebated worldwide
  • First order of basic checks free
  • $100 minimum to open

 

Business Checking

Designed for your growing business with moderate checking needs

  • Transactions – up to 550 per month; $0.50 each transaction over 550
  • $15 monthly service charge waived with $2,500 minimum balance
  • Business debit card
  • Online Banking with bill pay
  • Mobile Banking
  • ATM fees rebated worldwide
  • First order of basic checks free
  • $100 minimum to open

 

Commercial Checking

Designed for businesses with higher transaction volume that may require a full suite of cash management services

  • $12 monthly service charge
  • Earnings credit to offset fees
  • Cash management services available
  • Business debit card
  • Online Banking with bill pay
  • Mobile Banking
  • ATM fees rebated worldwide
  • First order of basic checks free
  • $100 minimum to open

 

Lawyer Trust (IOLTA)

  • Variable Rate: Interest compounded daily, credited monthly
  • No minimum balance required
  • $100 minimum to open

 

Business Savings

Designed to give your business a way to grow funds in order to help you meet future goals

  • $4 monthly service charge waived with a minimum $250 average daily balance
  • Transaction limitations apply
  • $100 minimum to open

 

Business Money Market

Designed to give your business flexibility while accumulating savings

  • $15 monthly service charge waived with $2,500 minimum balance
  • Transaction limitations apply
  • $100 minimum to open

 

Business Certificate of Deposit

Designed to give your business a time-specific low-risk option for your excess funds

  • Fixed Rate: Interest compounded daily, credited monthly
  • Penalties for early withdrawal may apply
  • Custom terms available
  • $1,000 minimum to open

 

Community Banking

Serving the banking needs of non-profits is just one way Optima Bank supports the efforts of local organizations to build stronger communities.

 

Non-Profit Interest Checking

Designed for non-profits with moderate to high transactions

  • Transactions – up to 500 per month; $0.50 each transaction over 500
  • $8 monthly service charge waived with $1,500 minimum balance
  • Business debit card
  • Online Banking with bill pay
  • Mobile Banking
  • ATM fees rebated worldwide
  • First order of basic checks free
  • $100 minimum to open

 

Community Checking

Designed for organizations with simpler checking needs

  • Transactions – up to 50 per month; $0.50 each transaction over 50
  • No minimum balance
  • No monthly service charge
  • $100 minimum to open
  • Business debit card
  • Online Banking with bill pay
  • Mobile Banking
  • ATM fees rebated worldwide
  • First order of basic checks free
  • $100 minimum to open

 

Community Savings

Designed to give your organization a way to earn interest while supporting your cause

  • $4 monthly service charge waived with a minimum $250 average daily balance
  • Business checking account required
  • Transaction limitations apply
  • $100 minimum to open
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