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Personal Deposit Products

Possibilities for your possibilities.


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.


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

All Ohio State Bank Personal Checking Accounts include:

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

Carrier, message and data rates may apply.


Order Checks

So you never run out of checks, Ohio State Bank makes it simple to reorder right here.

Order Online Now

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:

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


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:

Certificates of Deposit

Make the most of your savings with an FDIC-insured Certificate of Deposit. You determine the amount and time period, and receive a guaranteed rate of return on your deposit. We can talk you through current interest rates and help you decide the term that meets your financial goals.

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. Not with Ohio State Bank. Because we’re a member of a network of banks, the Certificate of Deposit Account Registry Service ("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.

Individual Retirement Accounts

Your retirement should be full of exciting new possibilities. Investing in an IRA now can help you prepare for what comes next. Our financial experts can talk you through these retirement savings options to decide what will work best for you.

Check out the latest interest rates.

  • Traditional IRA
  • Roth IRA


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


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