OptimumBank Holdings Inc serves as a bank holding company for OptimumBank. The Bank provides a range of community banking services to individuals and corporate customers. Its services include demand interest-bearing and non-interest-bearing accounts, negotiable order of withdrawal account, money market deposit accounts, debit cards, and automated teller machines.OptimumBank Holdings Inc is a bank holding company for OptimumBank. The company through its subsidiaries offers banking products and services to individuals and businesses.