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Business Banking

Commercial LoansAs a local community bank, we channel most of our loans to the neighborhoods where our depositors live and work, helping to keep local communities vibrant and growing. Because OSB Community Bank is a small business, we understand the needs of small business owners and design our services to meet those needs:

Business Deposit Accounts

    Business Checking   Business Savings
Requirements $50.00 to Open No minimum requirement to open
Monthly Statement Fee $10.00 Maintenance Fee or
Check Images w/ Statement $25.00
Interest No
  • Maintain $200.00 daily balance to earn interest
  • Compounded & Credited Quarterly
Minimum Balance $1000.00 No
Bounce Protection No No
Debit/ATM Yes ATM Only
Check Safekeeping Yes No
Check Limit No  
Per Item Charge $.30 per debit if daily balance below $1,000.00
  • 6 in house withdrawals free per month
  • Over 6: $5.00 per withdrawal
  • Unlimited transactions
  • Line of Credit Available for Overdraft
  • Night Depository
  • Online Banking & Bill Pay

Quick Drop Mobile Courier - We Bring Banking to You

We realize you have better things to do with your day than running back and forth to the bank. With our Quick Drop Mobile Courier service, we’ll save you time and money by allowing our experienced and reliable couriers to pick up your deposits and drop off your
coin orders.

Serving Lenawee, Hillsdale, and Jackson Counties ransactions include:

  • Deposits
  • Change Orders
  • Payments

All couriers fully bonded. Scheduled visits at your convenience. Receipts provided for all transactions.

Business Loans & Lines of Credit

OSB Community Bank is here to help you obtain the financing you need to meet your goals and grow your business. We understand the local market you operate in, because that’s where we do business too.

Let our commercial lending team show you how your organization can take advantage of opportunities, fund its future, and make good things happen. With more than 100 years of commercial financing experience, you can count on OSB to make local money work for you.

Commercial Loans:

  • Business Refinance & Purchases
  • Commercial Real Estate loans
  • Purchase equipment, machinery, furniture, supplies or materials
    • Small Business Short Form Approval
  • Long term working capital needs

Business Lending - Whether you’re looking to add inventory, expand your operation or are ready to build a new facility, an OSB Community Bank loan is an excellent source of funding.

Small Business Administration (SBA) Loans – a great financial tool for small businesses - offers affordable down payments and convenient repayment terms.

Small Business Administration 7(a) Loan

  • This loan is available for nearly any business purpose, such as:
    • Commercial real estate
    • Construction or renovation
    • Business start-up
    • Franchises
    • Working capital
  • Benefits:
    • Down payments as low as 10%
    • Loan amounts from $50,000 to $2 million at competitive interest rates1
    • Low monthly payments with up to 20-year amortizations
    • Quick approval; fast, simple closing procedure

Small Business Administration 504 Loan - With larger loan amounts and low monthly payments, the SBA 504 Loan is perfect for bigger purchases and projects.

  • Benefits:
    • Combined loan amounts up to $6.5 million
    • Down payments as low as 10%
    • Low monthly payments with up to 20-year amortizations
    • Commercial occupancy as low as 51%

Agricultural Lending - OSB Community Bank is dedicated to helping farmers grow and thrive. For businesses involving agricultural production, processing or merchandising, we offer several financial solutions. For more information please contact your OSBcb Commercial Lender.

USDA Farm Service Agency Lending - these loans are a valuable resource to establish, improve, expand, transition, and strengthen your farm or ranch. For more information about these loan programs, please contact your OSB Community Bank Commercial Lender.

Commercial Line of Credit:

  • Short term working capital needs (12-month term) – finance against accounts receivable and inventory (under special conditions)

Business Manager Progam:

Business Manager puts your operations on an all-cash basis by providing working capital for your receivables from a local bank. By bridging the gap between your payables due now and the receivables your customers won't remit for 30 days or more, this successful program positions your company to -

  • Realize growth opportunites
  • Extend credit terms
  • Take advantage of supplier discounts
  • Reduce debt
  • Operate with confidence
For more information on this program go to -

Business Credit Card

Business Credit Cards offer you the flexibility to make purchases, pay bills, and manage business expenses while providing the simplicity and convenience of a traditional business credit card.

Electronic Business Services

In today’s fast-paced business environment, OSB Community Bank provides you with tools you need to help you manage your cash resources more effectively.

Remote Deposit Capture

Remote Deposit Capture allows you to deposit checks without leaving your desk. Simply scan the checks with a machine we provide, and your deposit is electronically transmitted to your account. It’s convenient, safe and secure.

Quick and Simple Payment Service

This service allows people who owe you money the option of making their payment via the Internet. Access to the Quick and Simply Payment Service is located on our website (under the 24 Hour Convenience tab). We will accept the payment from either the payer’s checking or savings account and deposit the money into your account. Consumers may visit OSB’s website and make a payment to you, or you may add a link for the Quick and Simple Payment Service to your own website.

Customer-Initiated Payment Service

Customer-Initiated Payment Service allows customers to pay you 24 hours a day, seven days a week electronically by internet. With this service, your customer has access to the payment system anytime and can decide the exact date and amount they need to pay you. Your customers can access Customer-Initiated Payment Service through our website (under the 24 Hour Convenience tab), or we can hyper-link our secure payment system to your website, giving your website even more value.

Employee Payroll Direct Deposit Service

With Employee Payroll Direct Deposit Service, your employees can have their payroll earnings deposited into their choice of accounts and/or financial institutions automatically. This service has many options and features that provide your company with the best system to meet your needs. We can provide you with all forms, brochures and documentation needed to begin your payroll direct deposit program. Your business can electronically transmit payroll direct deposit transactions to us 24 hours a day.

Pre-Authorized Bill Payments

The Pre-Authorized Bill Payment Service provides the convenience of collecting consumer payments automatically each billing cycle. Your customers can have their bills paid automatically by authorizing you to withdraw the amount owed on each payment due date from their personal checking account. You may see a reduction in the number of past due accounts and NSF checks.

Merchant Services

OSB Community Bank has partnered with Elavon to deliver the industry’s leading merchant processing solutions.  By combining our banking expertise with Elavon’s premier payment processing network, merchant customers can enjoy a one-stop solution for all of their banking and payment processing needs.


  • Downtime is not an option
  • High speed transaction processing
  • Built in fraud monitoring and control features


  • Customer service is available 24/7 from trained professionals in Elavon’s call center
  • Log onto to request new products, access monthly statements, view the status of your account and more.


  • Retail
  • Restaurants
  • Supermarkets
  • Lodging/Hospitality
  • Education/Government
  • Mail order/E-commerce


  • PC and Terminal Based POS Solutions
  • Wireless Payment Processing
  • Internet/e-Commerce
  • Debit, EBT
  • Fleet Cards
  • Purchasing/Corporate Cards
  • Electronic Check Service
  • Electronic Gift Cards
  • Dynamic Currency Conversion
  • Multi-Currency Processing
  • Reporting Solutions

OSB Community Bank merchant customers who would like to register for online account access - click  to get started.  If the merchant customer already has a User ID and Password, click to access monthly statements; view the status of their account and much more.

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