We switched to Osgood Bank because we wanted the personal connection and help we weren't getting from our large corporate bank. We have not been disappointed in the move. I would recommend Osgood Bank to everyone!

- Denise S.

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WHO IS THE ACCOUNT IDEAL FOR If you're looking for an affordable checking account with ID TheftSmart Credit Restoration benefits, Be Good Checking is for you.

BE GOOD BONUS: Three or more "Be Good Buy Downs" drop monthly service charge to zero.
If you maintain higher balances and wish to earn interest, have access to a dedicated banker, and receive enhanced ID theft protection and credit monitoring services, Do Well Checking is for you.

BE GOOD BONUS: Earn a $2 "Be Good Buy Down" (never to exceed $6) during each statement cycle when you: 

Enroll in Estatements for your checking account

Conduct 15 or more Osgood Bank Debit Card purchases of at least $5 from your account each month

Sign up for Direct Deposit

Maintain an average monthly collected balance of at least $1,000

Have one or more active loans with Osgood Bank
Maintain a $15,000 or more combined average collected balances in your Osgood Bank Checking, Savings, Money Market, CD, or Retirement accounts.
ADDITIONAL BENEFITS Basic Identity Theft Protection included at no additional cost.

Enhanced Identity Theft Protection and Credit Monitoring included PLUS:

  • A Dedicated Relationship Officer
  • One free order of standard checks annually
  • Free cashier's checks
  • Free small Safe Deposit Box
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All checking accounts include the following features to empower you to do well and be good:

Secure Online Banking in Ohio

Secure Online Banking

Manage your accounts, pay your bills, enroll in eStatements and more.

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Mobile Banking App for Ohio

Osgood Bank Mobile App

Control your spending and manage your money anytime, anywhere.

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ID Theft Protection for Banking in Ohio

Identity Theft Protection

Both of our checking accounts include Identity Theft Protection services.

Secure Debit Card in Ohio


Enjoy peace of mind with debit card control from your mobile device.

Zelle in Ohio


A fast, safe, and easy way to send money to friends and family.

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Effortless Saving in Ohio

Savings Made Simple

Turn every day purchases into savings with our round-up savings program.

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Free military checking in Ohio

Thank You For Your Service


As our way of saying thank you, Osgood Bank is waiving the monthly maintenance fees for U.S. Veterans and Active Duty Military Personnel that open a Be Good Checking Account.

We appreciate your sacrifices.

Free college checking in Ohio

Focus On Your Future


College is full of big decisions and stress, bank fees shouldn't be one of them. Bring proof of enrollment and we will waive your Be Good Checking Account monthly maintenance fee until you're 21.

Get Answers To FAQs About the Best Checking Accounts in Ohio

What is Osgood Bank's routing number?

The routing number here at Osgood Bank is 042212568. 

What do I need to open an account?

To open an account with Osgood Bank you will be asked to provide the Customer Service Representative with:

  • A valid photo ID

  • Proof of Social Security Number

  • Proof of address if address is different from that shown on ID (utility bill or like document)

You will be required to provide basic personal information such as phone number, email address, and challenge questions for future verification.

All accounts require an initial deposit at account opening. You may transfer money from another Osgood Bank account or fund your account with a cash or check. Funding with a check from another financial institution may require a temporary hold.

If you wish to open an account with multiple owners or signers, we will require the above information for each individual. If you wish to name beneficiaries for your account, we will require their legal name, social security number, date of birth, and phone number.

All applicants will be verified through Qualifile, a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act.

How do I access online banking?

You can access an existing online banking account by clicking the orange Login button at the top of your screen or through the Osgood Bank Mobile App. 

If you do not have an existing username and password, we will be happy to help you set one up. Click the link and follow the on-screen prompts.

Sign Up For Online Banking

For more information about Osgood Bank's convenient online and mobile platforms, visit our Online and Mobile Banking page.

Do you offer a discount for Seniors?

We do.

In addition to waiving the monthly maintenance fee on the Be Good Checking account for Veterans and students, we also offer a waiver for customers age 55 and older. 

I do not recognize charges on my account.

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