Business Checking

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OptimumBank is dedicated to supporting businesses of all sizes, offering a diverse range of Business Checking products tailored to meet your unique banking requirements. Whether you're a startup or a well-established enterprise, discover the perfect solution for your business needs:

Simply Free Business: A straightforward and fee-free option, ideal for businesses looking for simplicity and cost-effectiveness in their banking.
Commercial Checking: Tailored for larger enterprises, our Commercial Checking account provides robust features to manage complex financial transactions with ease.
Business Interest: Maximize your business earnings with our Business Interest account, combining the benefits of interest accrual with the flexibility of a checking account.
Not For Profit Checking: Designed for non-profit organizations, this account caters to the unique financial needs of entities dedicated to making a positive impact.
IOLTA (Interest on Lawyer Trust Accounts): For legal professionals, our IOLTA account ensures compliance with trust accounting regulations while earning interest on client funds.
Optimum Money Market: Achieve the perfect balance of liquidity and growth with our Optimum Money Market account, offering competitive interest rates for your business savings.

At OptimumBank, we recognize that every business is unique, and our suite of Business Checking accounts reflects our commitment to providing tailored solutions. Whether you're a small startup or an established enterprise, we have the right product to support your financial goals. Contact us today to explore the business banking options that best suit your needs.

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OptimumBank

Welcome to OptimumBank - Your Community Banking Partner in South Florida

Founded in November 2000 by a visionary group of local Broward County businessmen, OptimumBank stands as a beacon of community-focused banking in the heart of North Miami Beach. Recognizing the need to reverse the trend of out-of-state mega-banks dominating the financial landscape, our founders embarked on a mission to establish a true community bank, one deeply rooted in the spirit of local investment and service.

At OptimumBank, we believe in the power of community. That's why, from the beginning, our directors opened the doors to both big and small local investors, providing them with the opportunity to own a stake in this new financial institution. Our commitment to fostering a genuine community-oriented approach is reflected in every aspect of our operations.

Located at 757 NE 167th St., North Miami Beach, FL 33162, OptimumBank proudly focuses on traditional, in-person banking, and building meaningful relationships with businesses and consumers residing in South Florida. We understand the unique needs of our community and are dedicated to providing financial solutions tailored to them.

One of the hallmarks of OptimumBank is our dedication to fair and transparent banking practices. Our customers have discovered a banking partner that doesn't impose exorbitant fees commonly associated with larger financial institutions. Instead, they experience unparalleled expertise in real estate and commercial lending, ensuring that their financial goals are met with precision and care.

In a landscape where local banks are becoming increasingly rare in South Florida, OptimumBank stands as a testament to the belief held by our investors, directors, and employees—that a combination of internet banking and traditional community-focused services is the "optimum" way to bank. We strive to seamlessly blend the convenience of online banking with the personal touch that comes from being deeply embedded in the communities we serve.

For more information about OptimumBank Holdings and our commitment to corporate governance, we invite you to explore our Information Center. It's here that you'll find additional insights into our values, practices, and principles that guide us in providing the highest quality of service to our valued customers.

OptimumBank welcomes you to experience a banking relationship built on trust, community, and a shared vision for financial success. Discover the Optimum way to bank, right here in the heart of South Florida.