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Personal Deposit Accounts

Checking Accounts

  Free Checking Personal Checking Preferred 55 Checking Senior Checking Now Account
Will I earn interest? No No Yes No Yes
What is the minimum balance required to earn interest? N/A N/A $500.00 N/A $1,000.00
What is the monthly service charge? Free $3.00 Free if balance remains above $200.00 Free Free If balance remains above $1,000.00
What is the minimum balance to avoid fees? N/A N/A $200.00 N/A $1,000.00
What is the fee if I fall below the minimum? N/A N/A $5.00 per statement N/A $5.00 per statement
Will I receive images with my statement? No Yes Yes Yes Yes
What is the minimum balance to open? $100.00 $100.00 $200.00 $100.00 $1,000.00
Are there any limitations? No No Must be age 55 or older Must be age 62 or older No
Other benefits to this type of account? Yes
See Below

See Below


  • Notary Service
  • 1st year rent on 3 X 5 safe box
  • Lifetime Supply of Specialty Grey Checks


  • Lifetime Supply of End Stub Checks Printed by Osgood State Bank

Other Benefits

  • All checking account types receive: free Mastermoney ® Debit Card transactions, free withdrawals at any of Osgood State Bank's 9 convenient ATMs and free Internet Banking and BillPay*.
  • Check images are easily accessed through Osgood State Bank's Internet Banking Product.
  • All checking accounts cycle the last business day of the month.

*Provided that you pay at least one bill per month through our Internet Banking/BillPay Product.


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