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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
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