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Frequently Asked Questions
Frequently Asked Questions
www.sterlingbankasia.com
FAQs What is the Sterling Bank Optima Online?
Sterling Bank Optima Online (Optima Online) is the internet based on-line banking facility of SBA
intended for business enterprises to help enhance their operational efficiency through borderless and
on-demand access to their SBA accounts.
URL - https://optimaonline.sterlingbankasia.com/cib-fo
• Business customers who have availed of the Optima Cash Management Account
• SME and micro enterprises whose business operations are still small but have potential for growth
What transactions can clients perform through the Sterling Bank Optima Online?
• Account balance inquiry • Loading of Pre-paid Card via File-upload (PhP &USD)
• Transaction History • Loading of Debit Card via File-upload (PhP)
• Bills Payment • Auto-Credit (single debit and multiple credits)
• Funds Transfer (intra-bank) • Auto-Debit (multiple debits and single credit)
• Checkbook reorder
• Stop-Payment-Order (SPO)
• MC Request
Cost savings
Through partial automation of cash management processes (e.g. eliminates if not minimizes the
need of sending the messenger to the bank branch to update passbooks or do various transac-
tions such as: bills payment, fund transfers, etc.)
REMARKS:
• Customer Information File No. (CIF). The unique identification assigned by the Branch of Account. To access the Optima Online,
the registered business enterprise representative has to encode it together with his user ID and password.
- Maker-Verifier-Authorizer (M-V-A). If selected as default, any transaction submitted by a "Maker" Group member will be
elevated to a "Verifier" Group before it is finally submitted to an "Authorizer" Group for approval.
- Maker-Authorizer (M-A). If selected as default, any transaction submitted by a "Maker" Group member will be elevated to an
"Authorizer" Group for approval.
- None. If selected as default, any transaction submitted by a "Maker" Group member is considered good as approved and shall
be processed by the bank accordingly
Who can I contact if I want to refer business enterprise enrollees to the Optima Online?
You may contact the Business Development Unit – Retail Banking Group.
Who can I contact for comments and suggestions regard Optima Online?
You may refer your comments and suggestions to the Product Management Department – Marketing
Group.