Personal Banking Navigation

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; 3×5 ($40), 3×10 ($80) and 10×10 ($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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CUSTOMER INFORMATION LINE

603-433-9600


FULL-SERVICE BRANCHES

Portsmouth
Downtown

603-433-9611
Two Harbour Place
Portsmouth, NH
03801

Portsmouth
Pease Tradeport

603-433-9655
20 International Drive
Portsmouth, NH
03801

Bedford

603-488-6040
99 S River Rd
Bedford, NH
03110

North Hampton

603-433-9633
26 Lafayette Road
North Hampton, NH
03862

Stratham

603-773-5222
17 Portsmouth Avenue
Stratham, NH
03885

CORPORATE OFFICES

603-433-9600
Two Harbour Place
Portsmouth, NH
03801

LOAN OFFICES

Dover

603-516-1175
828 Central Avenue
Dover, NH
03820