A couple sitting outside with coffee mugs.

Personal Checking

From simple to comprehensive, we have a variety of personal checking options to suit your needs.

OSB provides the best checking options for you. All of our checking accounts provide unique benefits based on a variety of needs and preferences. From low opening deposits to the ability to earn interest, 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†

Personal Checking Accounts

The Checking Account

The basic checking account with some not-so-basic features.
  • Minimum Opening Deposit$100
  • Monthly Service Charge*$0
  • Free Mobile Deposit
  • Free Mobile Banking
  • Free eStatements
  • No Foreign ATM Transaction Fee***
  • Non-Interest Bearing Account
 *Waived w/ e-statements. $5 charge for paper statements.
***Surcharge may be assessed by ATM owner
†Upon qualification

Interest Checking

The traditional interest bearing checking account.
  • Minimum Opening Deposit$100
  • Monthly Service Charge*$10
  • Free Mobile Deposit
  • Free Mobile Banking
  • Free Paper Statements
  • No Foreign ATM Transaction Fee***
  • Interest Bearing Account
 *Waived w/ min. average daily balance of $1,000 each statement cycle
***Surcharge may be assessed by ATM owner. 
†Upon qualification

Interest Plus Checking

The interest bearing account that gives you more.
  • Minimum Opening Deposit$100
  • Monthly Service Charge*$0
  • Free Mobile Deposit
  • Free Mobile Banking
  • First Order of Checks Free**
  • No Foreign ATM Trans Fee***
  • ATM Surcharge Refunds
  • Interest Bearing Account
*Waived w/ e-statements. $5 charge for paper statements.
 **Basic Single Wallet Checks.
***Surcharge may be assessed by ATM owner. 
†Upon qualification
Activity Qualifications & Rate Information:

 *APY = Annual Percentage Yield – Rates and promotional offers are subject to change or cancellation at any time.

Interest Checking: Minimum $100 opening deposit required. The APY for Interest Checking is 0.20% for balances below $2,500 and 0.25% for balances over $2,500. Other restrictions may apply.

Interest Plus Checking: Minimum $100 opening deposit required. To earn maximum interest, you must complete 12 or more point-of-sale transactions with your OSB debit card each statement cycle, register for electronic statements, and have at least one ACH debit or credit each statement cycle. Those who do not qualify each statement cycle earn 0.05% APY. Balance cap of $25,000. Any excess earns 0.25% APY.

Yield valid as of March 1, 2021.


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.

*Interest Plus Checking:  Minimum $100 opening deposit required. To earn maximum interest, you must complete 12 or more point-of-sale transactions with your OSB debit card each statement cycle, register for electronic statements, and have at least one ACH debit or credit each statement cycle. Those who do not qualify each statement cycle earn 0.05% APY. Balance cap of $25,000. Any excess earns 0.25% APY. Rates effective as of March 1, 2021