Frequently Asked Questions

How do I activate my new debit card?

Please call to activate: 1-866-590-4793 and to change PIN Number: 1-800-717-4923. For your security, you must call from the phone number on file with the bank.

Customers will need their SSN and business customers will need their EIN number. Businesses should call us (803-733-8100) to get started.

How do I enroll in online banking?

Customers can visit optus.bank, click login, enroll or go to https://xvault.bankoptus.com/enroll. Businesses should call us (803-733-8100) to get started.

How do get mobile banking app on my phone?

Look for Optus Bank in your app store and click to enroll. Business customers should call us (803-733-8100) to get started.

Is my money safe?

Yes! Our accounts are FDIC insured up to $250,000. We also provide additional options to insure deposits larger than $250,000.

Why should I consider banking with Optus?

Optus Bank is on a “Mission to Transform Opportunities into Wealth” for people that lack wealth building opportunities because of their inherited disadvantages and systemic disparities. For nearly 100 years, Optus Bank has been fighting to counter these issues in South Carolina and beyond.

We provide credit, capital, banking services and financial advice with a focus on building wealth for all of our stakeholders, not just the shareholders of the bank. Unlike traditional financial intuitions that seek to maximize the profit for their shareholders frequently with disregard for the long term impact on their customers and communities, we strive balance the needs of all stakeholders.

Can you provide what the big banks are offering?

Yes…and more. Our newly upgraded technology platform allows to offer competitive products, services and tools combined with access to support and financial advice from seasoned bankers. Because of our long term focus on helping people and businesses build wealth, we will work hard to find and create the best solution for you and not push products. Your money is not only safe with us, it is working for the benefit of people and places frequently overlooked by the mega banks.

Do you offer mortgages, including 30 year fixed rate?

Yes! We offer flexible options to buy, refinance, or use the equity in your home. Check you our product pages to see all the different types of loans we offer. It you don’t see what you are looking for, please contact us.

Sign up for an account today.

Start your wealth-building journey with us, Enter your email below and someone from our team will reach out to get you started!