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Personal Accounts

Possibilities for your possibilities.

Ohio State Bankers are real experts in your community that bank from the heart. We take time to learn about your lives and businesses, listen to your dreams and concerns, and build solutions around you—not a script or a sales goal. For business or personal needs, enjoy the comfort and confidence from banking with a familiar face.

Checking Accounts

REGULAR & INTEREST-BEARING

Regular Checking

  • Minimum to open: $100
  • Interest: No
  • Interest Credit: N/A

Interest Checking

  • Minimum to open: $100
  • Interest: Yes/Tiered
  • Interest Credit: Monthly

all Checking Accounts feature:


* Carrier, message and data rates may apply.

Deposit Accounts

SAVINGS   |  CDs  |  MONEY MARKETS

Statement Savings

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

  • 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

  • Free mobile banking

CDs

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.

  • Minimum to open: $500
  • Online and Mobile Banking: Yes
     

Money Markets

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.
  • 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

IRAs

TRADITIONAL   |   ROTH   |   SEP   |   SIMPLE   |   BENEFICIARY

IRA Money Market

  • Minimum to open: $100
  • Interest: Yes/Tiered
  • Interest Credit: Monthly
  • Online and Mobile Banking: Yes

IRA CD

  • Minimum to open: $500
  • Online and Mobile Banking: Yes

IntraFi ICS and CDARS

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 IntraFi’s network of banks, 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 other banks and fully insured by our partners, while still managed through Ohio State Bank. Contact us for more information.

A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.

Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits. IntraFi, ICS, IntraFi Cash Service, CDARS, Certificate of Deposit Account Registry Service, IntraFi logo, and IntraFi hexagon are registered trademarks of IntraFi LLC.