Explore Savings Products from OptimumBank

  • FDIC insured. No fees. $1 minimum deposit.

  • 24/7 online access to funds.

  • A true community bank.

  • {3D0FFFBD2F284DAEB3ACB7BD-APY} APY Money Market Deposit Account — currently {3D0FFFBD2F284DAEB3ACB7BD-APY}{FDIC-MM} higher than national average.

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Explore Savings Products from OptimumBank

  • FDIC insured. No fees. $1 minimum deposit.

  • 24/7 online access to funds.

  • A true community bank.

  • {3D0FFFBD2F284DAEB3ACB7BD-APY} APY Money Market Deposit Account — currently {3D0FFFBD2F284DAEB3ACB7BD-APY}{FDIC-MM} higher than national average.

Save Now

About OptimumBank

OptimumBank was founded to buck the trend of mega-banks and offer local investors the option for a true community bank.

As a community bank, OptimumBank is focused on offering traditional in-person banking for both businesses and consumers in South Florida. Through this local banking solution, customers have found that not only are they saving on the fees that larger banks can charge, but that OptimumBank has unparalleled expertise in real estate and commercial lending.

Get Covered with Federal Deposit Insurance

Deposits at OptimumBank are federally insured by the FDIC, up to the institutional limit.

Personalized Service

OptimumBank strives to offer customers an experience that’s innovative and personalized

stack of coins

Exceptional Savings Opportunities

The savings products offered by OptimumBank exclusively through Raisin feature market-leading rates.

Security Is Our Top Priority

FDIC

FDIC logo

Deposits in OptimumBank are insured by the FDIC. Deposits are insured up to the limits of federal law. The standard insurance amount is $250,000 per depositor, per insured bank, for each deposit account ownership category.

Click to learn more about FDIC insurance

Cybersecurity is a top priority at SaveBetter

SOC2 logo

We invest in a variety of technologies to protect our customer’s data, privacy and transactions. These include Multi-Factor authentication, encryption, and Cloudflare advanced internet protection and monitoring. We are a SOC 2 certified organization, which means we have met the requirements outlined by the American Institute of Certified Public Accountants (AICPA) to ensure that we have the controls in place to keep customers' data secure and private.

Click to learn more about SOC 2 certification

OptimumBank, Powered by Raisin

OptimumBank uses the secure Raisin platform to offer savings products to savers nationwide. Customers open accounts at raisin.com, and the platform manages all aspects of the products offered by OptimumBank, including a customer's deposits and withdrawals, statements and any customer service needs. In simple terms, Raisin provides you exclusive access to a special selection of OptimumBank products. Best of all, Raisin is completely free!

  • Security: Funds deposited into any of the products accessible through Raisin are held by federally insured institutions. We use a host of cybersecurity measures to protect your funds and sensitive information.

  • Choice: Savings products from our network of financial institutions offer flexible terms and some of the most competitive interest rates. You can easily find the right product or mix of products for you.

  • Convenience: One account to hold all your deposit products. Simplified statements. Easy access to manage your funds – all through a streamlined digital platform.

  • Service: A supportive, accessible, responsive customer service team based in New York, NY, sets Raisin apart.

  • Access: Enjoy 24/7 online access to your account and funds.

Press

Read what the media is saying about Raisin.

  • U.S News

    Deposit Solutions is launching its savings portal in the United States

    Read article

Open an Account in 3-5 Minutes

Select a product

Select

the right product for your savings goals.

Register for a SaveBetter account

Register

with an email address and password, then verify your identity and bank information.

Add funds

Fund

the savings products you add to your new Raisin account.

FAQs

Secure Messaging Center

Email: support.us@raisin.com

Call: 844-994-EARN (3276) (Monday to Friday from 9:00 a.m. - 4:00 p.m. ET)

The Raisin name and logo are trademarks of Raisin GmbH. All other trademarks, logos, marks, and brand names are the property of their respective owners — used with permission.

© 2024 Raisin GmbH. All rights reserved.

*APY means Annual Percentage Yield. APY is accurate as of {todayDate}. Interest rate and APY may change after initial deposit. Minimum opening deposit is $1.00.

Raisin is not a bank and does not hold any customer funds. Funds deposited through Raisin are exclusively held at federally insured financial institutions and FDIC or NCUA deposit insurance coverage only covers the failure of partner banks or credit unions on the Raisin platform.

Customer funds are held in various custodial deposit accounts. Each customer authorizes the Custodian Bank to hold the customer’s funds in such accounts, in a custodial capacity, in order to effectuate the customer’s deposits to and withdrawals from the various bank and credit union products that the customer requests through Raisin.com. The Custodian Bank does not establish the terms of the bank or credit union products and provides no advice to customers about bank or credit union products offered through Raisin.com. Central Bank of Kansas City, Member FDIC, d.b.a. Central Payments is the Service Bank. Lewis & Clark Bank is the Custodian Bank.