Optimum Bank has three branches located in Plantation, Ft. Lauderdale, and Deerfield in Florida. They also offer their customers hundreds of surcharge-free ATMs through their Publix Presto!, Star, and Cirrus networks. Their small business offerings include business checking and money market accounts, lending, cash management, notary services, direct deposit, night depository, and more. They have generally negative reviews online.
Optimum Bank Business Checking Rates & Fees
|Monthly Fee||No monthly fee|
|Minimum Balance Requirement||No minimum balance requirement|
|Transaction Fee||1,000 free items per month|
|Wire Transfer Fee||Information not available|
|Cash Deposit Fee||Information not available|
|Overdraft Fee||Information not available|
|ATM Fee||No fee when you use network ATMs|
Optimum Bank Network
Optimum Bank has three branches in Florida: Plantation, Ft. Lauderdale, and Deerfield. They are also part of the Publix Presto!, Star, and Cirrus networks, providing their customers access to hundreds of surcharge-free ATMs nationwide. You can use their branch locator to see which location is closest to you.
Optimum Bank Additional Business Banking Services
Optimum Bank also offers the following business services: business money market accounts, lines of credit, business loans, SBA funding, and commercial real estate loans. Although they offer personal savings accounts, they currently do not have any business savings account offerings. Find out more about their small business offerings on their website.
|Online & Mobile Banking||✓|
|Money Market Accounts||✓|
|Business Line of Credit||✓|
|Commercial Real Estate Loans||✓|
|Business Credit Cards||x|
Best Small Business Business Checking Account
Want to know which bank we named the best business checking account for small businesses? Read our business checking account buyer’s guide comparing the top 10 options.