Personal Banking

Banking on You

Innovation, Impact, and Economic Empowerment are the cornerstones to creating generational wealth. That's why we are here. We can help you save for your first house, improve your credit score, or leave a legacy for your children with products and services that help you achieve your financial goals:

Checking and Savings Accounts

Digital Banking Products

Financial Literacy Tools

Checking Accounts: Designed to Grow with You

Optus Bank's Personal Checking Accounts are designed to support your financial journey with a mission-driven approach, empowering you to build your future. Each account offers features aimed at accessibility and convenience, including online and mobile banking, mobile deposits and surcharge-free ATM withdrawals at Optus Bank, Regions, Bank of America, Wells Fargo and Chase Bank ATMs.

Savings Accounts: Your Journey to Financial Opportunity

At Optus Bank, our personal savings accounts help you build the future you’ve imagined with room to grow. From the flexibility of our savings account to the earning potential of our money market account, you’ll enjoy online and mobile banking, mobile deposits and surcharge-free ATM withdrawals at Optus Bank, Regions, Bank of America, Wells Fargo and Chase Bank ATMs.

Individual Retirement Accounts (IRAs): Realize your retirement dreams

Optus Bank IRAs allow you to grow your retirement savings with potential tax advantages**. Choose a term that matches your retirement plan and enjoy quarterly compounding that adds directly to your balance.

**Early withdrawals may result in IRS penalties.

Certificates of Deposit (CDs): A clear path to steady growth

If you value certainty and steady growth, our Certificates of Deposit are a smart choice. Choose from flexible terms and lock in a fixed rate for the entire term. Minimum deposit required.

Types of Bank Accounts

Every Optus Bank account is designed with you in mind, with Online Banking included. All deposits up to $250,000 are insured by the FDIC per depositor, per insured bank, for each account ownership category. For deposits exceeding $250,000, Optus Bank offers access to multi-million-dollar FDIC insurance coverage—up to $250 million per customer—through the IntraFi® Network Deposits service.

Opportunity
Consumer Checking

$50 minimum to open

$100 minimum balance to waive monthly fee

$10 monthly fee (without minimum balance)

Opportunity
Consumer Saver

$50 minimum to open

$100 minimum balance to waive monthly fee

$10 monthly fee (without minimum balance)

Platinum
Privileges

$100 minimum to open

$100,000 minimum balance to waive
monthly fee

$50 monthly fee
(without minimum balance)

Premier
Privileges

$100 minimum to open

$50,000 minimum balance to waive
monthly fee

$25 monthly fee (without minimum balance)

Open an account with us today >

Digital Banking Products

We have all the tools you need to manage your finances and make your life easier!

Created with you in mind, our mobile and web banking services give you complete control, enhanced security, and an intuitive interface so you can get started immediately.

Enhanced Security

Multi-factor authentication and biometrics with password-free options.

Modern Interface

We’re putting you first with an ADA-compliant user interface and sleek design.

Translation

You can easily utilize the platform in English or Spanish with a simple tap, and it dynamically translates for you at any time.

Guide to Managing Overdraft Fees

Get started today!

Alexa for Optus

Start managing your accounts with Alexa.

Learn More

Digital Wallet

Add your Optus Debit Card to your Apple Pay®, Google Pay™, and Samsung Pay®!

Learn More

Financial
Literacy Tools

Empowering Growth through Financial Literacy

At Optus Bank, we believe financial literacy is the key to long-term economic empowerment. Our commitment goes beyond providing banking services—we strive to equip individuals and communities with the knowledge and tools needed to build financial stability and generational wealth. Through Our Money Matters and other financial literacy partnership programs, we are dedicated to educating and empowering underserved communities with essential financial skills: