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Switch your account seamlessly

We understand that moving your checking account to another financial institution can be time consuming and difficult. With Optima Bank & Trust’s Checking Account Switch Checklist we can help you to streamline the process. We pride ourselves on providing you with a one-on-one consultative approach. We’ll make the phone calls, help you fill out forms and cater to your specific needs to make the process as easy as possible.

Here’s how it works:

1.) Open an Optima Interest Bearing Checking Account. Simply deposit $100 to open the account. This account includes no monthly service charge, no minimum balance after opening and no transaction limitations. There are no per item check or debit card fees, you’ll receive free Optima Standard Checks for life and free ATM worldwide access.

2.) Stop using your old checking account. Balance your account and make sure that enough funds are available to cover any outstanding checks, debit card transactions and upcoming automatic withdrawals.

3.) Switch your direct deposits. After account opening, complete and send our Direct Deposit Request Form to any direct deposit vendors that you may have including payroll from your employer, Social Security or other government deposits, CD interest payments, child support deposits, etc. (One form for each direct deposit.)

4.) Switch your automatic payments. After account opening, complete and send our Automatic Payment Request Form to any companies that you are paying through automatic payment/withdrawal. (One form for each automatic withdrawal.)

5.) Close your old checking account. Complete and send our Close Account Request Form (can be found at optimabank.com/forms) to the financial institution where you are closing your old checking account. Make sure all checks have cleared and that there is no more activity on the account.

Checklist for Switching Automatic Payments

Use one form for each automatic withdrawal:

  • Cable/Satellite
  • Car Insurance
  • Car Payment
  • Cellular Service
  • Child Support
  • Credit Card
  • Electric
  • Gas
  • Gym membership
  • Insurance
  • Loans
  • Mortgages
  • Phone
  • Student Loan
  • Water
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