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Dedicated Treasury & Business Banking Solutions

Founded in 2007, Optimized Treasury Solutions is an FDIC-insured institution established by a group of entrepreneurs who understood that business owners need more than just a bank – they need a trusted advisor. We’re here to be that partner, acting as an extension of your business and providing the dedicated support and insight you need for your business to thrive.

Business Checking

Business Checking

We offer a wide range of checking solutions designed to fit your business needs. Consult with us to find the account that delivers the features most important to you.

  • Business Analysis Checking
  • Partners Premium Business Checking
  • Partners Business Checking
  • Business Interest Checking (NOW Account)

Business Savings

Business Savings

We offer a variety of savings accounts to support your business in achieving its financial goals.

  • Partners Business Money Market
  • Certificates of Deposit
  • Partners Business Savings

Treasury Management

Treasury Management

At Optimized Treasury Solutions, we prioritize efficient operations and innovative technology to support your business. Our Business Online Banking provides secure, 24/7 access to an automated platform. Additionally, with the Optimized Treasury Solutions Business Banking mobile app, clients can enjoy many of the same features and benefits of Business Online Banking, including the convenience of mobile check deposit directly from their mobile device.

  • ACH Origination and Wire Management
  • Remote Deposit Capture
  • Positive Pay
  • Lockbox Services

Lending Solutions

Lending Solutions

When it comes to financing your business, we’re more than just a bank—we’re a partner. We provide a comprehensive range of commercial lending solutions tailored to support your business needs and goals.

  • Business Lines of Credit
  • Business Loans
  • Commercial Real Estate Loans
  • SBA & State Guaranteed Loans
  • Business Credit Card

Business Online & Mobile Banking

Business Online & Mobile Banking

Optimized Treasury Solutions Business Online Banking and Cash Management solutions allow you to handle virtually all your banking online—conveniently, safely, and securely. Best of all, it frees you up to focus on what matters most: tackling your next business challenge.

  • Real-time Account Balances
  • Direct Deposit of Payroll
  • Optimized Treasury Solutions Business Mobile Banking

Why Payment Nerds is the Best Provider for Connected Payments

At Payment Nerds, we understand that modern businesses need payment solutions that offer flexibility, scalability, and security. Our Connected Payments solution is built with those principles in mind, allowing businesses to adapt to the changing demands of the marketplace. Whether you’re managing a brick-and-mortar retail store, an eCommerce platform, or a mobile-based business, Payment Nerds provides a unified system that can handle all your payment needs.

We offer personalized customer support, detailed onboarding, and ongoing consultation to ensure our solution is customized to fit your business model. With transparent, pay-as-you-go pricing and no hidden fees, we guarantee cost-effective payment solutions for companies of all sizes.

Hear From Our Clients

Discover how our seamless solutions have transformed businesses just like yours.

FAQs

What types of businesses does Payment Nerds serve?

We work with a variety of businesses across industries, including retail, e-commerce, hospitality, and more. Whether you’re a low-risk, medium-risk, or high-risk business, we have tailored solutions to meet your payment processing needs.

Our streamlined onboarding process ensures you can start processing payments in under 24 hours, with instant approval for most applications.

Yes, our solutions are built with advanced security features like tokenization, encryption, and PCI DSS compliance to protect sensitive data and safeguard your transactions.

Absolutely! Our APIs and payment gateways are designed to integrate seamlessly with your current systems, ensuring a smooth transition without disrupting your operations.

We provide comprehensive support, including real-time transaction monitoring, developer assistance, and a dedicated customer success team to help with setup, troubleshooting, and optimizing your payment processes.

Still have a question?

Contact us today for personalized assistance—our team is here to help with anything you need!

Ready To Get Started?

Get merchant services and start processing payments instantly. We can design a custom package for your business and integrate with your existing website.

Join the Team

Payment Nerds is here to serve you! With a real person waiting to take your call or answer your email, you only need to let us know how we can help.