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

Why settle for free checking when you can earn 1.50% APY* with Interest Plus?
Call us today at 405-260-2265 to learn more or open an account.



Activity Qualifications & Rate Information:

 *APY = Annual Percentage Yield – Rates and promotional offers are subject to change or cancellation at any time. To earn maximum interest, you must complete 12 or more point-of-sale transactions with your OSB debit card each month, register for electronic statements, and have at least one ACH debit or credit each statement cycle. Those who do not qualify each month earn 0.05% APY. Balance cap of $25,000. Any excess earns 0.25% APY. Yield valid as of November 17, 2020. The APY for the Interest Checking account is 0.20% for balances below $2,500 and 0.25% for balances over $2,500. Other restrictions may apply.


Reorder Checks Online

Contact us today for more information.

Customer Care:  405-260-2265

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