Personal Checking

OSB provides the best checking options for you. All of our checking accounts provide unique benefits based on each person's needs and preferences. With a low minimum deposit, the ability to earn interest and waived service fees, we have the right checking account for you.


OSB Personal Checking accounts all have these great benefits:

  • Free online banking
  • Free online bill pay
  • Free eStatements
  • Free Mobile Banking
  • Free Mobile Deposit†
  • Free ATM transactions anywhere
  • Variety of debit card options
  Green CheckingOSB CheckingLegacy CheckingInterest Checking
Minimum Opening Deposit $200 $200 $200 $200
Monthly Service Charge $5; waived with eStatements $5 $5; waived with eStatements Limit 2 per household. Available to consumer accounts only. $10; waived with minimum average daily balance of $1,000 each statement cycle.
Free Online Banking and Billpay
Free eStatements
Free Mobile Banking
Free Paper Statements    
Free First Order of Checks**  
No Foreign ATM Transaction Fee***
Number of Transactions Per Month Unlimited Unlimited Unlimited Unlimited
Unlmited Check Writing
Interest Earned on Account     0.05% APY* when qualifications are not met. 2.15% APY* for balances up to $25,000. 0.25% APY* Bal over $25,000. Qualifications are 12 POS transactions posted per month + 1 recurring ACH Debit or Credit each month. 0.20% APY* for balances up to $2500. 0.40% APY* for balances over $2500.
Minimum Balance for Interest to be Earned     Tiered Interest  

*APY = Annual Percentage Yield. Rates may change after account is opened- subject to management's discretion. Fees may reduce earnings.
**OSB Checks - Basic Wallet Checks.
***Surcharge may be assessed by ATM owner.
†Upon qualification


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Contact us today for more information.

Customer Care:  405-260-2265

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