Optima Bank & Trust

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Optima Advantages

Visa® Debit Card
  • No monthly, transaction, or ATM fees regardless of ATM or Network
  • Checking, Money Market or HSA required for VISA® Debit Card services
  • ATM withdrawal limit $500 per business day
  • Point-Of-Sale transactions withdrawal limit $5,000 per business day
ATM Card
  • No monthly, transaction, or ATM fees regardless of ATM or Network
  • ATM withdrawal limit $500 per business day
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 within your account
Online Bill Pay
  • Checking, Money Market or HSA required for Online Bill Pay services
  • Free Online Bill Pay
  • Downloadable to Microsoft Money®, Intuit Quicken® and QuickBooks® files
Online InterBank Transfer
  • Free Interbank transfers
  • Transfer funds from and to another financial institution
Commercial Cash Management
  • Online Deposit
  • Positive Pay Fraud Prevention
  • Lockbox
  • Repurchase Agreement
  • Account Reconciliation
  • ACH & Domestic Wire Transfer Origination
Merchant Services
  • Payment Processing Solutions for your business
  • Credit and Debit Cards
  • Dynamic Currency Conversion
  • Point-Of-Sale solutions
  • Payroll Processing
Sweep Transfer
  • Maintenance Transfers: Maintain a specific account balance at all times
  • Insufficient Funds Transfers: Protect account from overdrafts
  • $10 fee per Sweep Transfer
Automatic Transfer
  • Periodic Transfers: Transfer a specific amount on a specific date
  • Make recurring loan payments
  • No fee for Automatic Transfers
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
Safe Deposit Box
  • Checking Account required to lease Safe Deposit Box
  • Available sizes and annual rentals; 3x5 ($40), 3x10 ($80) and 10x10 ($240)
  • Annual rent payment automatically transferred from checking account
Phone Banking
  • Free 24 hour access by any touch tone phone at 1-866-541-2429
  • Access current interest rates and account information
  • Transfer funds and make loan payments
  • Place stop payments

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