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Personal Banking

photoOSB Community Bank is a safe, secure, and stable financial institution focused on doing what is best for our customers and communities. Depending on what you’re looking for we provide products to help you manage your day-to-day cash needs, offer short term liquidity or long term yield, or a secure stable return, along with a friendly environment to ensure peace of mind.


Personal Checking

Choosing the right checking account should not be a major life decision, so we’ve made it easy for you to get what you need with these three accounts:

* See your OSB Representatives for current interest rates

Green Emerald Next Gen
Requirements $50.00 to Open $50.00 to Open $50.00 to Open
For students 16 to 18 years of age, parent or guardian must be on the account as well
Monthly Statement Fee
  • E-statement $0.00
  • With statement & images $10.00
  • We offer free mailed statements (no images)
  • E-statement $0.00
  • With statement & images $10.00
  • E-statement $0.00
  • Mailed  statement $3.00
Interest No Yes No
Minimum Balance No $1000.00 min balance to earn interest & avoid $7.00 monthly fee No
Bounce Protection Yes Yes No
Debit/ATM Yes Yes Yes
Check Safekeeping Yes Yes Yes
Check Limit No No No
Extras
  • Online Banking & Bill Pay
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Access to 50,000 Surcharge FREE ATM’s throughout the world within the Allpoint Network
  • Unlimited Transactions
  • Online Banking & Bill Pay
  • Unlimited Transactions
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Access to 50,000 Surcharge FREE ATM’s throughout the world within the Allpoint Network
  • Online Banking
  • Unlimited Transactions
  • Access to 50,000 Surcharge FREE ATM’s throughout the world within the Allpoint Network
  • 24 Hours Telephone Banking
  • Mobile Banking

Personal Savings

Saving money is always a good idea. OSB offers you these great ways to save for rainy days, health expenses, and your long-term plans:

* See your OSB Representative for current interest rates

  Regular Statement Savings Youth Statement Savings Christmas Club
Savings
Health Savings
Account
Requirements $10.00 to Open $10.00 to Open
Under age 18, parent or guardian must be on the account as well
$10.00 to Open
No Withdrawals Allowed
Check cut end of October
$50.00 to Open
Must have HDHP.
Government sets Yearly limits
Monthly Statement Fee FREE quarterly statements FREE quarterly statements   FREE monthly statement
Interest
  • $200.00 daily balance to earn interest
  • Compounded & Credited Quarterly
  • $25.00 min. balance to earn interest
  • Compounded & Credited Quarterly
  • $10.00 minimum daily balance to receive interest
  • Compounded & Credited Quarterly
  • Tiered Rates Compounded & Credited Monthly
Minimum Balance No No $10.00 No
Bounce Protection No No No No
Debit/ATM ATM Only No No Yes
Check Safekeeping No No No Yes
Charge & Fees
  • 6 in house withdrawals free per month.
  • Over 6: $5.00 per withdrawal
  • 6 in house withdrawals free per month.
  • Over 6: $5.00 per withdrawal
  • $50.00 early close out fee
  • Annual fee $15.00 every March
  • $100.00 fee for early Close out
Extras
  • Online Banking
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Online Banking
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Online Banking
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Online Banking
  • 24 Hour Telephone Banking
  • Mobile Banking

Money Market, CD’s & IRA’s

* See your OSB Representatives for current interest rates

    Money Market   CD’s   IRA’s
Requirements $10,000.00 to Open $1,000.00 to Open $1,000.00 to Open
Monthly Statement Fee
  • Monthly paper or e-statements
  • Check images with statement $7.00
Statements Available Upon Request Annual Statements
Interest
  • Tiered Rates Compounded Monthly
  • No interest earned if below $10,000
Tiered Rates Compounded & Credited Quarterly Tiered Rates Compounded & Credited Quarterly
Minimum Balance No No No
Bounce Protection Yes No No
Debit/ATM No No No
Check Safekeeping Yes No No
Charge & Fees
  • 6  withdrawals total monthly
  • Unlimited in house transfers
Early withdrawal penalty applied Early Withdrawal Penalty:
  • 6 months
No accrued interest paid from last posting date.
Extras
  • Available for Businesses
  • Online Banking
  • Mobile Banking
Varied Term Selections
  • Varied Term Selections
  • Traditional & ROTH IRA’s Offered

 

To help the Government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you, when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

If you have any questions please call us at 517-592-3205. You can also contact us via email at customerservice@osbcb.com.

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