Our business has been fortunate to bank with Osgood Bank for a long time and we look forward to working with them for many years to come! -Robin G.

Spend Well and Be Good With the Best Business Checking Accounts in Ohio

Opening Balance Requirement $2,500 $500 $100
Monthly Maintenance Charge $20 $12 $7
Fee Waiver Requirements $50,000 Average Daily Balance or $500,000 Total Relationship1 $15,000 Average Daily Balance or $250,000 Total Relationship1 Enroll in E-statements for a $2 Reduction
Earns Interest -
Discount on Remote Deposit Capture (RDC) Services 10% 5% -
Discount on ACH Payroll Processing Service 10% 5% -
Free Education Seminars to Employees -
Open a Business Checking Account

1Total relationship is based on same tax identification number, outstanding loan balances, and total average deposit balances.

All business checking accounts include the following features to empower you to do well and be good

Business online banking

Online Banking & Bill Pay

Conveniently and securely manage your business accounts and schedule payments without having to track down the check book.

Business Night Drop Services

Night Drop Services

No time to stop at the bank during business hours? Lock your deposit, drop it in our secure box, and we will take care of the rest.


Business HSA Servicing

Employee HSA Contributions

Send us one list and we will take care of doing your employees' payroll deducted HSA deposits.

Business Debit and Credit Card

Business Debit & Credit Card

From managing cashflow to buying office supplies, we have the tools to make running your business easier.

Osgood Bank has always been there to support me and my business. Great bank to work with!

-Jessica D.

Take advantage of these services to make running your business even easier

Digital Banking in Ohio

Digital Banking

Save time and streamline processes with digital tools designed to enhance your banking experience.

Learn More

Merchant Services Ohio

Merchant Services

A vast array of services designed to help you accept non-cash payments including all major credit and debit cards.

Learn More

remote deposit capture in Ohio

Remote Deposit Capture

Skip the trip to the bank by depositing checks from the convenience of your office, home, or anywhere you choose.

Let's Talk

Get Answers To Frequently Asked Questions About the
Best Business Checking Accounts in Ohio

What do I need to open a business checking account?

Because businesses can be structured different ways, the documentation we will need to open your account will depend on your account type.  In addition to the documents listed below, every account will require information on all authorized signers and beneficial owners.

For all authorized signers as well as any owner of the business where the percentage owned is 25% or more, we will require a valid photo ID, SSN, phone number, and email address. 

To get started, here is a list of the documents you will need to open your account:

Sole Proprietorship

  • Social Security or EIN Number

  • Sole Proprietorship Resolution of Authority

  • Assumed Name Certificate (if applicable)

Limited Liability Company (LLC)

  • EIN Number (SSN acceptable for one-person LLC)

  • LLC Authorization Resolution

  • Articles Stamped "Filed'" or Certificate of Existence

  • Operating Agreement (States who is authorized to open the account)

Corporate Accounts: Non-Profit, For-Profit, Government Entity

  • EIN Number

  • Corporate Resolution

  • Certified copy of Articles of Incorporation or Certificate of Existence

  • Certificate of Good Standing, address and date of birth on all authorized signers

Club or Civic Organization

  • EIN Number

  • Resolution of Lodge, Association, or other similar organization

  • Bylaws or similar document outlining the purpose of the organization

Our account representatives are here to guide you through the account opening process and are available to answer any questions you may have. 

How do I manage the signers on my business checking account?

During account opening we will complete a Business Resolution which will allow certain signers or owners to make account changes. If a change is needed simply reach out to your dedicated Osgood Banker and they will start the process of removing or adding signers and updating your records with us immediately.

What do I do if my business debit or credit card has unauthorized transactions?

If you recognize unauthorized charges during business hours, please call us at 419.582.2681.

For after hours support please call:

Osgood Bank Debit Card: 800.500.1044

Osgood Bank Credit Card: 800.367.7576

Why do I need to keep my personal and business account separate?

A business account helps to separate personal assets from those of your business. With a business account, you will deposit payments made to your company and pay business expenses out of the business account(s). 

Separate accounts and record-keeping makes it easier for taxes and may protect your personal assets if a lawsuit should ever occur.