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†
  • Variety of debit card options
  CheckingInterestInterest Plus 
Minimum Opening Deposit $100 $100 $100
Monthly Service Charge $5; waived with eStatements $10; waived with minimum average daily balance of $1,000 each statement cycle $5; waived with eStatements
Free Mobile Deposit
Free Mobile Banking
Free Paper Statements
Free First Order of Checks**  
No Foreign ATM Transaction Fee***  
ATM Surcharge Refunds
Interest-Bearing Account  
See details below.

See details below.

*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

Activity Qualifications & Rate Information:

Interest Plus qualifications – 2.17% APY* for balances up to $25,000 if 12 POS transactions and 1 ACH debit or credit transactions occur per statement cycle; 0.05% APY* when qualifications are not met. 0.25% APY* will be paid on the portion of any balance that exceeds $25,000.

Interest Checking qualifications – Tier 1, 0.20% APY* up to $2,500; Tier 2, 0.40% APY* for balances exceeding $2,500. All rates subject to change. Free mobile deposit upon approval.


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Contact us today for more information.

Customer Care:  405-260-2265

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