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Checking Accounts

Advantage Checking Account

  • Minimum balance of $100.00 to open this account

  • A $5.00 service fee will be imposed if the balance in the account falls below $500.00 on any day of the cycle.

    • This fee will not apply if you maintain a daily balance of $5,000.00 in a savings, money market or certificate of deposit; a direct deposit or any type of loan account with OSB Community Bank.

  • Free ATMs nationwide*

  • Earns daily interest regardless of balance

  • OSB debit card

School Spirit Checking Account

  • Minimum balance of $100.00 to open this account

  • Earns daily interest regardless of balance

  • No monthly service charge

  • Free ATMs nationwide*

  • Free checks featuring your school logo

  • OSB debit card featuring your school logo 

OSB Community Bank will make a $10.00 cash donation annually for each active School Spirit Checking account to the participating schools. Click here to view participating local schools.

Local schools interested in participating in our School Spirit Checking Account Program may contact us at 815-433-2525.

EZ Checking Account

  • Minimum balance of $1.00 to open this account

  • No monthly service charge

  • Free ATMs nationwide*

  • OSB debit card

Signature Money Market Account

  • Minimum balance of $500.00 to open this account

  • Earns daily interest, tiered based on the balance

  • No monthly service charge

  • Contact Customer Service for more information.

*Must use MoneyPass ATM Network. Look for a MoneyPass logo on a sign at the ATM or displayed on the ATM screen to avoid surcharge. Find an ATM using the locator at .

moneypass.com