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Community Checking Offering

At OSB Community Bank, our primary goals are to keep your funds secure, help you grow your finances to meet your goals, and to provide the greatest value possible to help your money do more. We are a safe, secure, and stable financial institution focused on doing what is best for our customers and communities by protecting and preserving their financial resources. Depending on what you're looking for, we provide products to help you manage your day-to-day cash needs, a secure stable return, also the advantage of seeing your money, hard at work, benefiting the community you live and work in.

With the Community Checking Offerings, OSB keeps your money local, and offers great  advantages such as IDProtect® - identity theft monitoring and resolution service, cellular telephone protection, $hopping Rewards, mobile banking, interest and much more.

Take Advantage of Our Community Checking Offers, graphic


Advantage Checking

Requirements

   $50 to Open

Monthly Service Charge
  • $5.00
  • Additional $3.00 monthly fee will be assessed if you do not enroll in E-statement
Interest

    No

Minimum Balance

    No

Bounce Protection

    Yes

Debit/ATM

    Yes

Check Limit

    No

Benefits
  • Online Banking & Bill Pay
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Text Banking/Alerts
  • Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
  • Unlimited Transactions
  • IDProtect® Identity Theft Monitoring and Resolution Service1
  • Up to $10,000 AD&D coverage2
  • Cell Phone Protection2: First 3 phones listed on cell phone bill (Cellular telephone bill must be paid
    through this account.)
  • Debit Advantage™ - Buyers Protection & Extended Warranty2 (Item(s) must be purchased entirely withthis account.)
  • $hopping Rewards™*
  • Travel & Leisure Discount Membership*
  • Health Discount Savings* – This is NOT insurance.

Advantage+ Checking

Requirements

  $50.00 to Open

Monthly Service Charge
  • $5.00
  • Less than 20 pinless debit card transactions posted during a statement cycle, an additional $5 monthly fee will be assessed.
  • If zero pinless debit card transactions post during a statement cycle, there will be a $5 monthy no pinless debit card activity fee assessed the first business day after the statement cycle.
  • Additional $3.00 monthly fee will be assessed if you do not enroll in E-statement
Interest

  Yes

Minimum Balance

  No minimum

Bounce Protection

  Yes

Debit/ATM

  Yes

Check Limit

  No

Benefits
  • Online Banking & Bill Pay
  • Unlimited Transactions
  • 24 Hour Telephone Banking
  • Mobile Banking
  • Text Banking/Alerts
  • Access to 50,000 Surcharge FREE ATM's throughout the world within the Allpoint Network
  • IDProtect® – Identity Theft Monitoring and Resolution Service1
  • Up to $20,000 AD&D coverage2
  • Cell Phone Protection2: First 4 phones listed on cell phone bill (Cellular telephone bill must be paid through this account.)
  • Debit Advantage™ - Buyers Protection & Extended Warranty2 (Item(s) must be purchased entirely with this account.)
  • $hopping Rewards™*
  • Travel & Leisure Discount Membership*
  • Health Discount Savings* This is NOT insurance.

Next Generation Checking

Requirements

$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
  • Mailed  statement $3.00
Interest

  No

Minimum Balance

  No

Bounce Protection

  No

Debit/ATM

  Yes

Check Limit

  No

Extras
  • 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

Health Savings Account

Requirements

$50.00 to Open
Must have HDHP.
Government sets Yearly limits

Monthly Statement Fee

FREE monthly statement

Interest
  • Tiered Rates Compounded & Credited Monthly
Minimum Balance

  No

Bounce Protection

  No

Debit/ATM

  Yes

Check Safekeeping

  Yes

Charge & Fees
  • Annual fee $15.00 every March
  • $100.00 fee for early Close out
Extras
  • Online Banking
  • 24 Hour Telephone Banking
  • Mobile Banking

*Registration/activation required.
HDHP= high deductible health plan

1IDProtect service is a personal identity theft protection service available to personal checking account owners and their joint account owners. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Advantage Checking is not available to businesses, clubs, organizations and/or churches and their members, schools and their employees/students.
2Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance.

Insurance products are not a deposit; not FDIC insured; not an obligation of bank; and not guaranteed by bank or any affiliated entity