Personal Checking

 

 

When it comes to checking the Choice is yours...

 

First Choice Free Checking

The interest-bearing account with added features

  • Free of Service Charge - No Minimum Balance, No Per Check Charge
  • Interest (paid on days account has $1,000 Minimum Daily Collected Balance)
  • Free VISA® Check or ATM Card
  • Ready Reserve Personal Credit Line and Overdraft Protection
    (Separate qualified application required)
  • Free BankLine 24-Hour Telephone Banking
  • Free Internet Banking - account inquiry, funds transfer and more
  • Free Bill Payer online - pay anyone, anywhere, anytime

First Choice Plus Checking

Get First Choice Checking . . . plus additional benefits!

  • No Minimum Balance Required (a $6.00 monthly service charge) 
  • Free Personalized Checks (Or, discount off other wallet style checks)
  • Higher Rate of Interest (with $1,000 Minimum Daily Collected Balance)
  • Cashier's Checks and Money Orders at no issue fee (Limit of 6 per month)
  • A Lower Rate on New Personal Installment Loans
    (When payment is automatically deducted from your First Choice Plus account)
  • Discount on Home Mortgage Closing Costs
    (With automatic payment from your account)
  • Discounted Personal-Size Deposit Box for One Year
    (Subject to availability. New Rentals Only.)
  • Free VISA® Check or ATM Card
  • Ready Reserve Personal Credit Line and Overdraft Protection
    (Separate qualified application required)
  • Free BankLine 24-Hour Telephone Banking
  • Free Internet Banking - account inquiry, funds transfer and more
  • Free Bill Payer online - pay anyone, anywhere, anytime

Classic Choice Free Checking

Interest-bearing checking with a low minimum balance for those 50 and over!

  • Free of Service Charge - No Minimum Balance, No Per Check Charge
  • Interest Paid on Daily Collected Balance
  • Cashier's Checks and Money Orders with no issue fee (Limit of 6 per month)
  • Free VISA® Check or ATM Card
  • Ready Reserve Personal Credit Line and Overdraft Protection
    (Separate qualified application required)
  • Free BankLine 24-Hour Telephone Banking
  • Free Internet Banking - account inquiry, funds transfer and more
  • Free Bill Payer online - pay anyone, anywhere, anytime

Classic Choice Plus Checking

For those 50 and over . . . .

All the benefits of Classic Choice Checking plus a whole lot more value!

  • No Minimum Balance Required with a $4.00 monthly service charge
  • Free Personalized Club Checks (Or, discount off other wallet style checks)
  • No Per Check Charges
  • Higher Rate of Interest on Daily Collected Balance
  • Cashier's Checks and Money Orders with no issue fee (Limit of 6 per month)
  • A Lower Rate on New Personal Installment Loans
    (When payment is automatically deducted from your Classic Choice Plus account)
  • Discount on Home Mortgage Closing Costs
    (with automatic payment from your account)
  • Discounted Personal-Size Deposit Box for One Year
    (Subject to availability. New Rentals Only.)
  • Free VISA® Check or ATM Card
  • Ready Reserve Personal Credit Line and Overdraft Protection
    (Separate qualified application required)
  • Free BankLine 24-Hour Telephone Banking
  • Free Internet Banking - account inquiry, funds transfer and more
  • Free Bill Payer online - pay anyone, anywhere, anytime

Money Management Checking

Designed for accounts that maintain a higher balance

  • No minimum withdrawal amount
  • Unlimited check writing
  • Interest paid on the daily balance
    - Higher yields for higher balances
  • No monthly service charge when an average daily balance of $1500 is maintained
    - During the monthly statement cycle, if your average daily balance falls below $1,500,
    your account will be subject to a $10 service charge
    plus .20¢ per debit/withdrawal for that statement cycle.

Basic Checking

Meets primary checking needs for the low volume check writer.

  • No minimum balance requirement
  • Service charge of $2 per month and 20¢ per debit paid,
    when monthly average balance is below $700

 

 

©2013 Owen County State Bank. Member FDIC. Equal Housing Lender.