Personal Deposit Accounts

Where you keep your money matters. We’ll help you decide which deposit accounts and options can keep you—and your money—on track to reaching your goals.

Checking

It’s your money—and we don’t believe in charging you to use it.

All Ohio State Bank Personal Checking Accounts include:

• Tiered interest-rate structure for interest-earning checking accounts
• $100 minimum balance required to open
• No monthly maintenance fee
• Unlimited check writing 
• Free cashier’s checks
• Free eStatements and free paper statements
• Free online banking and bill payment
• Free mobile banking*
• Free first order of checks
• Ohio State Bank Visa debit/ATM card
• Nationwide network of surcharge-free ATMs at MoneyPass ATM locations

* Carrier, message and data rates may apply.

Money Market

If you want to plan for future possibilities, a Personal Money Market Account acts like a savings account—with interest. We offer competitive rates, tiered according to the amount in your account, so the more you save, the more you can earn.

All Ohio State Bank Personal Money Market Accounts include:

• Tiered interest-rate structure 
• $100 minimum balance required to open 
• No monthly maintenance fee
• Free cashier’s checks
• Free eStatements and free paper statements
• Free online banking and bill payment
• Free mobile banking
• Free first order of checks
• Unlimited withdrawals when made in person. Banking regulations limit pre-authorized withdrawals to six per month.

Savings

When you have money set aside in a savings account, you’re ready for all kinds of possibilities.

All Ohio State Bank Personal Savings Account includes:

• Tiered interest-rate structure
• $100 minimum balance required to open
• No monthly maintenance fee 
• Free cashier's checks
• Free eStatements and free paper statements
• Free online banking and bill payment
• Free mobile banking
• Unlimited withdrawals when made in person. Banking regulations limit pre-authorized withdrawals to six per month.

Certificates of Deposit

Make the most of your savings with a minimum $500 for an FDIC-insured Certificate of Deposit and receive a guaranteed rate of return on your deposit. We can walk you through current interest rates and help you decide the term that meets your financial goals.

Certificate of Deposit Account Registry Service ("CDARS")

Not only does putting money into CDs make sound financial sense, investing in CDs through Ohio State Bank makes saving simpler.

Most banks can only insure deposits up to $250,000—meaning if you want to deposit more than that, you have to go to multiple banks and manage multiple accounts.  At Ohio State Bank, we are a member of a network of banks, the CDARS Network, you can deposit as much as you like with us. Your money is divided into amounts under $250,000 and distributed to other FDIC-insured institutions in the network. These funds are then put into CDs and fully insured by our partners, while still managed through Ohio State Bank.

Get peace of mind for large cash balances with CDARS.  Contact us to learn more.

Questions?

To learn more about Ohio State Bank personal deposit accounts, stop by or give us a call.