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Overview / Commentary
949-517-0961
19900 MacArthur Blvd., Suite 190
Irvine, CA 92612

Opus Bank is a California-based bank that offers personal and business banking, treasury management, income property banking, and home loans. In keeping with its community-driven focus, the bank publicly announces capital funding amounts it intends to allocate to businesses in the region.

Opus Bank’s personal banking products give consumers a way to save and are offered in the form of checking, savings, money market, and CD accounts. Personal credit cards are also available to help facilitate credit building and cash back rewards. Checking account options come with a monthly service charge, which can be avoided by fulfilling certain account requirements. Opus Bank savings and money market accounts function in much the same way, offering increased levels of interest based on how much is in a given account. Certificates of deposit (CDs) are fixed rate accounts and available in term lengths from 1 to 60 months. The bank also features retirement, health, and education savings accounts that provide more customized set of features for qualifying customers.

Opus Bank online banking provides a web-based platform for customers to view their account activity, make transfers between Opus Bank accounts, pay bills, and set various alerts. Mobile banking apps are also available and make it easy and convenient for customers to manage their accounts via smartphones while on the run. Opus Bank is part of a network of tens of thousands of ATMs that provide account holders with fee free access to their funds.

Opus Bank was initially organized as the Peninsula National Bank in 1993. It changed its institution name with the FDIC to an insured commercial bank in 2010, before moving its headquarters to Irvine, California, just outside of Los Angeles, in 2011. The bank serves its customers through multiple branches located in and around the Los Angeles area.

Which Bank Do You Work For, CAG?

Posted by: OBR | Nov 22, 2011

CAG, your sad and transparent attempt to disparage an obvious threat to your institution is an embarrassment.  Please try to elevate the level of the conversation.

No More Opus Bank For Me

Posted by: nira | Feb 18, 2012

I am a Fullerton Community bank customer that was very happy with my totally free checking account.  I loved the level of service and that it was a small community bank.  It was bought by Opus.  My totally free checking account now costs 9 dollars a month not to mention all the other fees.  They now deduct the maximum amount they can from my acct when getting gas and they don't clear the hold for 72 hours even though the real charge has been recorded.  I called my local branch's  phone number only to be routed to a customer service line located in Washington state.  While the CSA was professional she claimed the hold was the fault of the gas station.  Hmmmm I don't think so since I have been getting gas there for 5 years and this is the first time there has ever been a hold on 126.00.  I can not afford a $126 72 hour hold every time I pump gas.  I guess it is time to find a new bank.

Avoid This Bank!

I joined FCB back when I first moved to Southern California. Sure, the employees weren’t always the friendliest but the place was full of tellers and bankers and the line was always out the door (this was their Anaheim branch circa 2011). FCB was a nice bank. They had convenient hours and locations, and they cared.

And then they got bought out by Opus Bank. Right from the get-go the whole thing made me uneasy. The first thing they did? Lay off or fire half the employees at the five branches I’ve been to. Then they cut the hours to 9-5, Monday through Friday only. And then, a year later, the Brea branch closed. A year after that, the second Fullerton branch. The Yorba Linda branch has gone from 6 to 4 and now to 2 employees. Every time I go into a bank branch I’ve been to before, the tellers are always new, and sometimes the managers too. It seems they can’t retain talent. It gets old having to explain who I am over and over again, always having to provide ID with the debit card.

I hung on because I was lazy, I think. And then three weeks ago a shady small tech company did a bait and switch on me…and Opus Bank sided with the fraudster, flat out refusing to refund my money. The only thing they did was stop my debit card without telling me, which caused my car insurance payment and my app store purchases to bounce, plus I went to work with no breakfast one day. They said I needed to talk to the merchant…I tried that before I went to them, to no avail.

I’m looking at other banks now…I do NOT recommend this bank at all. They don’t want customers anyways….they keep repeating that they want to work with business clients, but the few clients I work with at work who have done business witih them as a business don’t recommend them either, claiming their hours are a headache.

Another Unsatisfied FCB/Opus Customer

Posted by: nellkev | May 7, 2012

I haven't switched banks yet but I'm looking. Most of my friends that I convinced to move over to FCB have left Opus. This is no longer a family business friendly bank.  The new on line banking site is terrible.  I've started getting hit with the fees.  You may as well talk with the ATM if you have a question.  The tellers are now robots.  You get I'll inform management of your request (AKA you will get no answer).  I'm sad to see FCB go.  They were a great bank.

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Health
A+

Health Grade Components

Overall
FDIC Certificate #33806
Year Established1993
Employees615
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD7.91%
Annual Interest Income$66.6MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$6.93B$5.56B
LoansQ1 2016vs Q1 2015$5.71B$4.33B
DepositsQ1 2016vs Q1 2015$5.24B$4.34B
Equity CapitalQ1 2016vs Q1 2015$881.7MM$824.5MM
Loan Loss AllowanceQ1 2016vs Q1 2015$48.8MM$24.9MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$42.7MM$9.6MM
Real Estate OwnedQ1 2016vs Q1 2015$1.4MM$4.3MM
Rates
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Always verify rates and promotions with the bank or credit union. We are not Opus Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Opus Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--Personal Savings
0.10%--Business Savings

Opus Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$250k*-Aria Personal Money Market Special
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $100k | 0.20% $100k - $250k
0.30%*$1m*-Aria Business Money Market Special
OTHER TIERS: 0.10% Up to $100k | 0.20% $100k - $250k | 0.25% $250k - $1mm

Opus Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$100k*-Platinum Plus Checking
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $25k | 0.25% $25k - $50k | 0.40% $50k - $100k
0.25%*$500k*-Analyzed Business Checking
OTHER TIERS: 0.20% Up to $250k | 0.22% $250k - $500k
0.15%*$100k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k
0.15%*$100k*-Personal Interest Checking
OTHER TIERS: 0.05% Up to $10k | 0.10% $10k - $100k

Opus Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$10k*-60 Month CD
OTHER TIERS: 1.20% $1k - $10k
1.05%*$10k*-48 Month CD
OTHER TIERS: 0.90% $1k - $10k
0.90%*$10k*-36 Month CD
OTHER TIERS: 0.70% $1k - $10k
0.60%*$10k*-24 Month CD
OTHER TIERS: 0.50% $1k - $10k
0.50%*$10k*-12 Month CD
OTHER TIERS: 0.40% $1k - $10k
0.40%*$10k*-6 Month CD
OTHER TIERS: 0.25% $1k - $10k
0.20%$1k-3 Month CD
0.10%$1k-1 Month CD

Opus Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$10k*-60 Month IRA
OTHER TIERS: 1.20% $1k - $10k
1.05%*$10k*-48 Month IRA
OTHER TIERS: 0.90% $1k - $10k
0.90%*$10k*-36 Month IRA
OTHER TIERS: 0.70% $1k - $10k
0.60%*$10k*-24 Month IRA
OTHER TIERS: 0.50% $1k - $10k
0.50%*$10k*-12 Month IRA
OTHER TIERS: 0.40% $1k - $10k
0.40%*$10k*-6 Month IRA
OTHER TIERS: 0.25% $1k - $10k
0.20%$1k-3 Month IRA
0.10%$1k-1 Month IRA
Locations

Opus Bank has 58 locations. Click to view all Opus Bank locations.