Personal Banner

Personal Banking


Old truck parked in a field



Choose a checking account that fits your financial needs. Explore OCSB’s checking accounts and apply online or talk with a Universal Banker today!

Learn More




Explore our range of savings accounts designed to help you grow your money. Each account is tailored to meet your savings goals, whether short-term or long-term, helping you secure a prosperous financial future.

Learn More

Hot air balloon


Certificates of Deposit

Investing in a Certificate of Deposit (CD) at Owen County State Bank provides a secure and low-risk opportunity for you to grow your money with a higher interest rate than a traditional savings account.

Learn More

sunset over a field


Individual Retirement Accounts

Investing in an Individual Retirement Account (IRA) at Owen County State Bank gives you the benefit of tax-advantaged savings, allowing you to effectively plan for your retirement while potentially growing your wealth over the long term.

Learn More

A red barn



At Owen County State Bank, we offer loans for various financial needs. Whether it's debt consolidation, home improvement, emergency expenses, or major purchases, we provide competitive rates, flexible repayments, and individualized service. Our experienced team guides you throughout the loan process, assisting you make decisions that align with your financial goals. Your financial well-being is our priority, and we're committed to supporting you through every step of the process.

Learn More

A waterfall


Credit and Debit Cards

At Owen County State Bank, we offer secure and convenient credit and debit card services, equipped with robust fraud protection, and round-the-clock customer support.

Learn More

Contact Your Local Branch Locations