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        The internet banking section is for authorize users only and that any attempt to enter the secured internet banking section is prohibited by federal laws and will be reported to law enforcement authorities.              The business internet banking section is for authorize users only and that any attempt to enter the secured business internet banking section is prohibited by federal laws and will be reported to law enforcement authorities.

                   To Bank by Mail

                        To Apply for an Auto Loan

                            To Apply for a Credit Card

                                 To Reorder Your Personal Checks

                                                  To Access Your Credit Card Account              

Important notice regarding FDIC insurance coverage for transaction accounts.
OptimumBank (NASDAQ: OPHC) was founded to provide South Floridians with a community owned and traditionally operated full service bank. While servicing both individuals and businesses residing in Florida, our remote banking services (OptiNet Online Banking and Bank by Mail) attract customers from all over the United States. OptimumBank offers competitive interest rates and specializes in residential and commercial real estate lending throughout South Florida.