Banking where you like, when you like. To achieve this we have provided several means of electronic banking to make your life easier. Whether it's a ATM card for worldwide cash access or a Visa® debit card so you can leave your checkbook at home, we have the easy answer. We also offer 24-Hour service and convenience with Internet Banking & Bill Pay, Mobile Banking, Mobile Deposit, Mobile Pay, Corporate Cash Management, eStatements and Bankline telephone banking.  


Internet Banking & Bill Pay

Discover the ultimate convenience in banking. To view a demonstration of Internet Banking, take the demo by clicking on the "Demo" link just above and to your left in the Onling Banking Login Box.  Click Here for information on Internet Banking Security.

  • Get balances on Checking, Savings, Money Market Savings, Certificate of Deposit and Loan accounts.
  • Check recent account activity, such as deposits, withdrawals, loan payments and Debit Card/ATM transactions.
  • See if specific checks have cleared
  • Transfer funds between your various Deposit and Loan accounts
  • Export transactions in QuickBooks WebConnect (QBO), Comma Separated Value (CSV), Money Active Statement (OFX) format

Once enrolled in Internet Banking you can also arrange for our Free Bill Pay

  • Pay your bills . . . Make recurring, fixed-amount or variable amount monthly payments automatically, such as utilities, credit cards, or anyone you choose with one simple set up.
  • Pay anyone anytime.

Enroll Online Now!

OCSB Mobile Banking


Take Internet Banking wherever you go with OCSB Mobile!*  OCSB Mobile lets you access many of the features of Internet Banking through your cell phone or mobile device through Text Banking, our Mobile Website, or by downloading our OCSB Mobile App!  Check your balance, transfer money between your accounts, or schedule a bill payment and more, all from your phone. 

Text Banking – Any mobile phone with a texting plan can utilize OCSB Mobile’s Text Banking.*  Once enrolled, text 1-letter commands “i.e. (B)alance, (H)istory” and OCSB Mobile will reply with your account information.

Mobile Website – Once enrolled, visit “m.ocsbank.com” in your phone’s Internet Browser to transfer funds, pay bills, and more.*

OCSB Mobile App – Once enrolled, download the app using the link provided at “m.ocsbank.com”.*

To use OCSB Mobile, you must first be an existing Internet Banking user.  After you’ve logged into Internet Banking, simply click the Mobile Banking link to enroll and activate your mobile device.

Mobile Deposit  Quick and Simple!  Endorse, scan and deposit your checks using your smart phone.
(Requires previous setup and access to OCSB Internet Banking and Mobile Banking)
Mobile Deposit Instructions
Mobile Deposit Terms & Conditions   

*Message and data rates from your wireless carrier may apply.  App is available for iOS (iPhone, iPod Touch, iPad), Droid mobile phones, and most Blackberry models.  Some types of accounts are not available through OCSB Mobile.  Account Transfer and Bill Pay functionality is unavailable in OCSB Text Banking module.  OCSB Mobile Bill Pay functionality is only available to Internet Banking users with active Bill Pay access.


Electronic statements are safe, convenient, eco-friendly and quicker than paper.  Going paperless doesn’t mean you can’t have access to prior statements.  You’ll always have your most recent 12 months of statements right at your fingertips.  Want more?  You can also print or save your statements, so you can keep as many as you want for as long as you want.  When a new statement is available, you’ll receive an email alert to let you know it’s ready for viewing. 

How to Enroll:  While logged into your Internet Banking service, go to the “Accounts” menu and select “Account Statement” which will take you to the Terms & Conditions. 

Corporate Cash Management (CCM)

CCM Basic offers 24/7 online account access, including:

  • Real-time balance inquiry
  • Transaction history
  • Initiate transfers and loan payments (between OCSB accounts)
    • Real-time, or
    • Scheduled in advance
  • Multiple CCM online users with customized access to
    • specific accounts and/or
    • functions
  • QuickBooks WebConnect
  • Free e-Statements

Expanded CCM Services available:

  • ACH Origination

To see a complete listing of CCM Services and associated fees, please download our Choice for Business Product Guide.

BankLine Telephone Banking

BankLine makes it easy to inquire on deposit and loan account balances, verify that deposits and checks cleared, transfer funds between accounts and compare interest rates, all through your touch-tone telephone. This service is available 24 hours a day, 7 days a week at No Charge! You can reach BankLine toll-free at (800) 684-3168.

Visa Debit Card

Enjoy the convenience of a Visa Debit Card. Use it instead of a check to pay for anything, anywhere Visa is accepted. No more checkbooks, no more check approval, no more problems with "Out of Town Checks not Accepted". Transactions are automatically deducted from your checking account. Its the easy way to pay.

Mobile Pay - Mobile Wallet              

Securely store your OCSB Debit Card on your smartphone and use your phone to purchase goods and services.  We offer Android Pay, Apple Pay and Samsung Pay.

  Android Pay Instructions


Apple Pay Enroll Now!
Apple Pay Frequently Asked Questions (FAQs)
Apple Pay Locator App information


Samsung Pay Instructions

To Report Lost or Stolen Debit Cards

During Business Hours
call Owen County State Bank
(812) 829-4811 or
Toll-Free (888) 275-6272

After Hours call
the STAR hotline
Toll-Free (800) 523-4175

Credit Cards

Personal/Consumer & Business Credit Card
OCSB Visa & OCSB Business Visa

You may use this link to apply online now or the application may be downloaded to be completed and mailed later.

To report fraudulent activity or card(s) as lost or stolen call:
Toll Free (800) 883-0131 or
Outside the U.S call (727) 570-4881


Automated Teller Machine (ATM) Card

How do you access your money anytime, anywhere 24-hours a day? With an ATM card! At teller machines worldwide you can withdraw cash from your checking or savings account, transfer funds from one account to another and receive balance information. With certain ATMs, including our local machines, you can also make deposits and OCSB loan payments.

To Report Lost or Stolen ATM Cards

During Business Hours call
Owen County State Bank
(812) 829-4811 or
Toll-Free (888) 275-6272

After Hours call
the STAR hotline
Toll-Free (800) 523-4175


©2015 Owen County State Bank. Member FDIC. Equal Housing Lender - NMLS 518354.