FAQs

Getting Started

When you have banking questions, we have answers. Below is a list of answers to the most frequently asked by our clients. If you don’t see what you’re looking for here, feel free to contact us.

  • How do I activate my 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 can I check my balance?
    • There are several ways you can view your account balance:
      1. Call 803.733.8100, choose Option 1 and follow instructions. You will need your mobile banking ID and last four digits of your social security number.
      2. If you are in enrolled in web banking, log in to your account at https://xvault.bankoptus.com/login
      3. If you’re not enrolled in web banking: visit optus.bank, click Sign Up or go to https://xvault.bankoptus.com/enroll. You will need your account number, social security number, and driver’s license number. Please note that your identification information needs to match the information we have on file.
      4. You can call us at 803.733.8100 and request to be enrolled in web or mobile banking
  • How do I enroll in online banking?
  • How do I get the mobile banking app on my phone?
    • You can find app store links for android and iOS at the bottom of our website page. You can also look for Optus Bank in your app store and click to enroll. Business customers should call us (803-733-8100) to get started.
  • 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. If you don’t see what you are looking for, please contact us.
  • How can I report a lost or stolen debit card?
    • Please call 800.383.8000 and follow instructions.
  • Why should I consider banking with Optus?
    • Optus 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.
  • 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.