Personal Checking

We offer a variety of FDIC insured checking accounts to meet your ever-changing banking needs.

Account	Regular Checking	Student Checking	Senior Citizen Account 55+	Now Checking Account	Super Now Checking Account	Related Transaction Account	E-Checking Account
Description	Our most popular checking account.	This account is tailored to suit our customers who are pursuing an education.	Senior Citizen Accounts fit the needs of those customers who are 55 and over.	Now accounts have all the advantages of our regular checking accounts, but they also earn interest.	Now accounts offer a better interest rate in exchange for a higher minimum monthly balance requirement.	Offers no minimum monthly balance. Account requires either an electronic deposit or transaction	Offers no minimum monthly balance. Account requires either an electronic deposit or transaction and be enrolled in our Internet Banking Program.
Minimum to Open	$100.00	$100.00	$100.00	$100.00	$100.00	$100.00	$100.00
Minimum Balance to Avoid Service Fee	$300.00	$0	$0	$750.00	$1000.00	$0	$0
Service Fee	$5.00 - $7.00	$0	$0	$7.50	$10.00	$0	$0
Statement Type	Paper Statement with Check Images	Paper Statement without Check Images	Paper Statement without Check Images	Paper Statement without Check Images	Paper Statement without Check Images	Paper Statement without Check Images	Electronic Statements only
Interest Bearing Account	No	No	No	Yes	Yes	No	No
Debit Card	Yes	Yes	Yes	Yes	Yes	Yes	Yes

Our Owingsville Banking Company Debit card is available with all eligible checking accounts. Making it quick and convenient to make purchases and withdrawals.

Lost or Stolen ATM/Debit card (606) 674-6317 during normal business hours, After hours please call (800) 472-3272