OptimumBank provides community banking services to individuals and businesses. The Bank provides a range of consumer and commercial banking services to individuals and businesses. OptimumBank services include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal account, money market deposit accounts, Visa debit and automated teller machine cards, cash management, direct deposits, notary services, money orders, night depository, cashier's checks, domestic collections, drive-in tellers and banking by mail.