Optus Bank has never been stronger and more ready to serve you! All depositors with $250,000 or less are insured by the FDIC but we can also fully insure deposits over $250,000 up to a total of $130 million per customer. Please contact us if you would like to learn more.

100 years of generational wealth building and financial empowerment for everyone!

How Can We Serve You?

Personal

Find an account that fits your needs, including CDs, IRAs, and Money Market Accounts

Learn More About Personal Banking

Business

Choose the right sized accounts for your business. Earn more with CDs, IRAs, and Commercial MMAs.

Learn More About Business Banking

Mobile & Web Banking

Manage your account on the go. Access our services from your mobile phone.

Learn More About Mobile & Web Banking

News

Jun 17, 2025

Optus Bank Impact Report 2024

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Oct 7, 2024

Optus Bank Powers Sustainability by financing 112.5-Megawatt DC Solar Farm in North Carolina

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Jul 30, 2024

Resource Guide for Collaboration with Minority Depository Institutions

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Jul 30, 2024

Partnerships With Minority- and Women-Owned Financial Institutions, Low-Income Credit Unions

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Futures Start Here

“Optus Bank was pivotal in Calabash acquiring the PPP we needed to stay in business. We highly recommend Optus and truly can't thank them enough."”

-Dr. Sunyatta Amen


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Futures Start Here

“Optus is prime to grow, and I am excited about the management there. We just need to make sure we stay tuned with the little people.””

-Barry Walker


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Futures Start Here

“Optus is the can-do bank. Not only can they do it, they did it.””

-Jeff Nates


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Start Your Wealth Building Journey With Us.

We believe everyone should have a chance to build personal wealth regardless of their circumstances. Our team is committed to helping each client achieve the American Dream because our quality banking services are built upon a deep belief in our wealth building mission.

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