Open Bank's Other Services
Simple, Easy and Safe
It's precisely what banking should be
Cash Management
Process Payments
- ACH allows your business to originate electronic payments through the Automated Clearing House (“ACH”).
- Bill Pay allows your business to set-up one-time or recurring automatic bill payments, virtually 24/7, to save time and money.
- eWire allows your business to process wire transfers electronically while saving information for future wires.
Process Deposits
- Remote Deposit allows your business to deposit checks electronically anytime right from your office.
Simply scan checks at your business location and transmit them securely to Open Bank for faster access to account receivable funds, improved research of deposits, and consolidated deposits from multiple locations.
Protect Your Assets
- Fraud Prevention with ACH Positive Pay allows your business to protect itself from ACH fraud by reviewing and deciding whether to pay or return incoming ACH transactions that will post against your account. Your business can also maintain an approved/block list for future ACH transactions.
- Fraud Prevention with Check Positive Pay allows your business to match authorized checks against checks presented for payment in order to quickly identify and notify Open Bank of fraudulent checks presented against your account.
- Zero Balance Accounts allows a business with multiple accounts or subsidiary accounts to automatically keep accounts at a zero balance, eliminating posting transfers and non-sufficient funds or overdraft fees (other fees may apply).
Credit Card
At Open Bank, our industry leading consumer and business credit card products offer competitive pricing combined with a full range of reward options – making it easy to select and apply for the card that meets your needs. Learn More about Credit Card or Apply Now. For existing account access, Click Here to Login
Consumer Credit Cards
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you'll enjoy important features like:
- Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
- Mobile purchasing capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
Business Credit Cards
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Debit Card
Purchases: Use your Open Bank Consumer or Business Debit Cad to earn points when you make your everyday purchases. Visit www.Scorecardrewards.com to create your account (Username and Password) to review the program details.
Cash Withdrawals: Enjoy no surcharge fee withdrawals at thousands of ATMs. Visit www.sum-atm.com.
Visa Alerts: You can receive near real-time updates on your Open Bank debit card activity. So you can act quickly to help reduce fraud and monitor your account, wherever you are. And Visa Alerts is free for Open Bank debit cardholders. Sign up at purchasealerts.visa.com/vca-web/check.
Visa Account Updater (VAU): Updates cardholder account information electronically among participating card issuers, payment processors and merchants who accept account-on-file transactions. For more information about VAU or to learn how to opt-out, click here.
e-Statements
- e-Statements could reduce fraud from stolen paper statements.
- Go paperless with free e-Statements. You can access your monthly statements and check images online virtually anytime.
Merchant Services
Enhance and simplify your business with Clover®.
Open Bank has partnered with Clover to provide you with the right software plan for your business. Clover can help you transform your business with payment processing and business management solutions, customized just for you.
Maximize your business possibilities.
- ENGAGE – Generate more visits and more sales through mobile loyalty and rewards programs.
- EXPAND – Accept multiple types of payments, including, Apple Pay®, Google Pay®, and Samsung Pay®, as well as EMV®chip and contactless card transactions.
- INSIGHT – Uncover new insights and compare sales against competition within your market.
- ORGANIZE – Manage inventory, employee schedules, payroll, and customer engagement to boost internal operations and performance.
- SECURE – Protect your customer, business, and reputation from fraud with built-in security.
Clover Point-of-Sales (POS) Systems
- Clover Flex: Accept payments tableside, in-line, on the floor, or off premises with this handheld portable POS.
- Clover GO: All-in-one contactless, chip and swipe card reader that wirelessly pairs with a mobile device.
- Clover Mini: This compact, countertop system has the power of a full-scale POS without the bulk. It can even connect to a cash drawer for added convenience.
- Clover Station Duo: A fast and powerful all-in-one countertop POS and business management system with a second screen that lets customers initiate payment and view the transaction.
- Clover Station Solo: All-in-one countertop, POS and business management system with one merchant-facing screen and a receipt printer that enables you to run your business efficiently.
- Clover Virtual Terminal: Run your business from your laptop, phone or tablet.
* All trademarks, service marks and trade names referenced in this material are the property of their respective owners. Merchant services are provided by Clover affiliate First Data Merchant Services LLC. Apple Pay is a registered trademark of Apple Inc. Samsung Pay is a registered trademark of Samsung Electronics Co, Ltd. Google Pay and the Google Pay Logo are registered trademarks of Google LLC. EMV® is a registered trademark in the U.S. and other countries. The EMV trademark is owned by EMV Co, LLC. The third parties listed are not affiliated with Open Bank and are solely responsible for their products and services. All trademarks are the property of their respective owners.
* The Clover® name and logo are trademarks owned by Clover® Network, LLC are registered or used in the U.S. and many foreign countries. Use of Clover® requires a Merchant Processing Agreement from First Data Merchant Services, LLC®
Mobile Banking
Mobile Banking allows you to conduct some transactions through your mobile device (such as smart phone, tablet, iPad). This allows you access virtually 24/7 even when you are away from your home or office.
Mobile Banking Features
- Deposit checks directly into your eligible account
- View transactions and account activity
- Access deposit and certain loan information
- Make transfers between your eligible accounts (Internal or External)
- Make loan payments to your Open Bank loans
- Set up and receive real-time alerts
- Use Zelle to send/receive money
- Pay your bills using Bill Payment
- View your statements electronically
Open Bank Online Banking
Open Bank Cash Management
Online Banking
Open Bank checking accounts offer 24/7 access to online banking, mobile banking, bill pay, and e-Statements.
Online Banking Features
- View/download your account activity
- Process transfers between your eligible Open Bank accounts
- Set up and receive real-time alerts
- View your statements electronically
- Place stop payments on checks
- Order checks conveniently
- Transfer funds to your external bank accounts (External Transfer)
- Pay, schedule, and review your bills using Bill Payment
- Make loan payments to your Open Bank loans
- Use Zelle to send/receive money (can be accessed within Bill Payment)
Safe Deposit Boxes
Boxes provide added security when storing documents and other items. The contents of the boxes are not insured by us or any government insurance program. If you want the contents to be insured, you will have to arrange for your own insurance at your own expense. OPEN BANK has safe deposit boxes for rent at most of our branches. Different box sizes and rates are available.
Telephone Banking
Telephone banking allows you to manage your account, get account balance information, and make payments and transfers from your telephone. You will need to set-up your access code to get started.
For Telephone Banking Service, please dial 800-325-3679.
Wire Transfer
It’s easy to send and receive money electronically by wire transfers. Open Bank offers domestic and international wire transfer services to conveniently send money to and receive money from others through U.S. banks and foreign banks.
Routing Number: 122043958
SWIFT Code: FSTDUS6L
Zelle®
Zelle is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes. With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank. You can send money to friends, family and others you trust. Since money is sent directly from your bank account to another person’s bank account within minutes, it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.
