OptimumBank Holdings Inc

OptimumBank Holdings Inc. operates as the bank holding company for OptimumBank that provides various consumer and commercial banking services to individuals and businesses. It accepts demand interest-bearing and noninterest-bearing savings money market NOW and time deposit accounts as well as certificates of deposit. The company also offers residential and commercial real estate multi-family real estate commercial land and construction loans; commercial loans are generally used for working capital purposes or for acquiring equipment inventory and furniture; and consumer loans for various purposes including purchases of automobiles recreational vehicles boats home improvements lines of credit personal and deposit account collateralized loans. In addition it provides debit and ATM cards; investment cash management notary and night depository services; and direct deposits money orders cashier's checks domestic collections and banking by mail as well as internet banking services. The company was founded in 2000 and is based in Fort Lauderdale Florida.