Business
Banking

Banking on Business

Innovation, Impact, and Economic Empowerment are the cornerstones to building strong, thriving communities. Businesses are at the center of that.

That’s why we do everything we can to support your business with banking accounts, lending, and credit products for every stage of its lifecycle. From startup to expansion, to acquisition or merger, we are by your side every step of the way. Learn more about our products below.

Smart Business Banking for Every Stage

Business Checking Accounts

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

Business Savings Accounts

At Optus Bank, your Business Savings are more than just funds on hold; they’re a resource for growth, stability, and opportunity. For higher earning potential and easy access to your funds, our business money market account offers competitive rates, check-writing privileges, and debit card access.

IntraFi Accounts (ICS and CDARS)

Access multi-million-dollar FDIC insurance coverage on large deposits while working directly with Optus Bank. Through the IntraFi network, your funds are placed into deposit accounts at other FDIC-insured institutions — all while you enjoy the convenience of one relationship, one statement, and one trusted bank.

ICS (Insured Cash Sweep): Earn interest and enjoy unlimited access to your cash while keeping it fully FDIC-insured.
CDARS (Certificate of Deposit Account Registry Service): Lock in competitive CD rates on large deposits with the same full insurance coverage and convenience.

Whether you need short-term liquidity or long-term growth, IntraFi solutions help you protect and manage your large deposits with ease.

Renewable Energy Lending

Optus Bank is dedicated to supporting the communities we serve by fostering sustainable initiatives that drive both environmental and economic progress. As part of this commitment, we actively facilitate renewable energy projects that help reduce pollution, lower costs in underserved communities, and promote long-term sustainability.

Learn more.

Types of Bank Accounts

Whether you’re managing day-to-day operations or building long-term reserves, our business accounts come with the tools and convenience you need. 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.

Opportunity
Business Checking

$50 minimum to open

$1,000 minimum balance to waive monthly fee

$10 monthly fee (without minimum balance)

Opportunity
Business Saver

$50 minimum to open

$1,000 minimum balance to waive monthly fee

$10 monthly fee (without minimum balance)

Premier
Business

$100 minimum to open

$50 monthly fee (without minimum balance)

$50,000 minimum balance to waive monthly fee

Platinum
Business

$100 minimum to open

$100,000 minimum balance to waive
monthly fee

$100 monthly fee
(without minimum balance)

Guide to Managing Overdraft Fees

Open an account with us today >

Need a loan?

BUSINESS LOANS

We offer a full suite of lending solutions to support your business at every stage of growth.

Whether you’re expanding your footprint, upgrading equipment, investing in sustainability, or managing day-to-day operations, we provide tailored financing options to help you succeed.

Our full suite of lending solutions supports your business at every stage of growth.

Digital Banking Tools

All the tools you need to manage your business 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.