Osgood Bank’s Business Banking Solutions in Greenville, Ohio

Introduction

Welcome to Osgood Bank’s Business Banking Solutions – your comprehensive partner for business banking in Greenville, Ohio. We are a community-focused bank with deep roots in western Ohio, and we’re dedicated to helping local businesses thrive. Osgood Bank is committed to the Greenville business community, providing financial tools and personalized service that reflect our century-long tradition of community banking. In this guide, we’ll explore why so many Greenville-area businesses choose Osgood Bank, from our flexible checking accounts and competitive loans to our cutting-edge digital services and personal touch.

Why choose Osgood Bank?

As a locally headquartered institution (founded over 100 years ago in Osgood, Ohio), we offer the best of both worlds: the local decision-making and relationship-driven service of a community bank, combined with a full suite of modern business banking products rivaling any big bank. Our team understands the unique needs of Darke County businesses and is invested in Greenville’s success. Whether you’re a small start-up or a growing enterprise, we provide financial solutions and personalized support to help your business do well and be good in the community.

Osgood Bank at a Glance

A Brief History & Local Presence: Osgood Bank has been serving Ohio businesses and families for over a century. Founded in the village of Osgood, we have grown substantially under strong leadership – nearly tripling in size over the past decade while remaining independent. Today, the bank serves customers in 30+ states but maintains a strong local focus. We operate multiple branch locations in western Ohio, each reinforcing our mission of community-centered banking. Our nearest branch to Greenville is our Osgood Branch (Operations Center) at 275 W. Main Street in Osgood – only a short drive from downtown Greenville. We also have offices in nearby communities like Fort Loramie, Chickasaw, and Lakeview, ensuring Greenville and surrounding areas are well-served by our network.

Branch Locations Serving Greenville: While we may not have a bricks-and-mortar branch on Broadway in Greenville, our surrounding branches effectively serve the Darke County region. The Osgood Branch in Darke County is a convenient option for Greenville businesses, and our Fort Loramie branch (Shelby County) and Chickasaw branch (Mercer County) are also within reach. Each location offers full-service banking with lobby and drive-thru hours designed to accommodate busy entrepreneurs. Moreover, our commercial lending officers are often out and about – they can meet Greenville business owners by appointment, even at your place of business, to discuss your needs. In this way, Osgood Bank brings banking to you in Greenville.

Community Involvement and the Osgood Foundation: Osgood Bank takes pride in being more than a bank – we are a community partner. Through the Osgood Foundation, our nonprofit arm, we support economic development initiatives, schools, and social services across western Ohio. Each year, the Foundation provides grants and funding to local nonprofits and youth programs in Darke and surrounding counties. Our employees volunteer extensively – in 2024 alone, Osgood Bank team members donated over 400 volunteer hours and $50,000 to local organizations, schools, and relief efforts. From sponsoring county festivals and school events to organizing charitable drives, we believe in giving back. This community commitment is a cornerstone of who we are and is a key reason Greenville businesses trust Osgood Bank – because your bank is just as invested in the community’s success as you are.

Business Checking Accounts

One size does not fit all when it comes to business checking, so Osgood Bank offers three distinct business checking account options. Our accounts are designed to give you the right balance of features, convenience, and value – “you only pay for what you need” so you can focus on running your business. Here’s an overview of our checking account tiers and who each is best for, along with key requirements and benefits:

Edge Business Checking: This is our basic tier, ideal for start-ups, freelancers, and small businesses with lower transaction volumes. Edge has a low $100 opening balance requirement and a $7 monthly maintenance fee. There’s no minimum balance required to maintain the account, but if you enroll in free e-statements, we’ll knock $2 off the monthly fee (reducing it to just $5). Edge accounts do not earn interest – they’re meant for everyday operating cash – but they come with the same conveniences as our other accounts (like online banking and a debit card). Who it’s for: sole proprietors and very small businesses who want a low-cost checking option and primarily use electronic services. By opting into e-statements, many Edge customers effectively minimize their fees.
Elite Business Checking: The Elite account is geared toward growing businesses that maintain moderate balances or have higher activity. It requires $500 to open and carries a $12 monthly fee. However, that fee is waived if you maintain at least a $15,000 average daily balance or $250,000 total relationship balance across all your Osgood accounts. Elite earns interest on your balances, so your operating funds can work for you. This account also includes perks like a 5% discount on Remote Deposit Capture (RDC) services and ACH payroll processing fees, making it attractive if you use those services. Who it’s for: established small-to-medium businesses that keep healthy balances and want to earn interest, or those who utilize cash management services such as remote deposit or payroll ACH frequently. Elite strikes a balance between value and benefits, rewarding you for higher balances with fee waivers and service discounts.
Encore Business Checking: Our premium tier, Encore, is designed for larger businesses or organizations with high balances and complex needs. It has a $2,500 opening balance requirement and a $20 monthly maintenance fee, which can be waived with a $50,000 average balance or $500,000 combined relationship balance. Encore also earns interest on balances (at competitive rates), allowing substantial reserves to generate income. The real advantages come in the extras: Encore clients get a 10% discount on Remote Deposit Capture services and ACH payroll processing, and even free educational seminars for their employees on financial wellness topics. It’s a value-packed account for businesses that demand more. Who it’s for: larger companies, nonprofits, or municipalities that maintain significant deposits and utilize treasury management tools – Encore will minimize your fees and provide bonus benefits in return for your banking relationship.

All three business checking accounts come with unlimited electronic transactions (like ACH payments, bill payments, and debit card usage) and a generous number of free monthly items (debits, credits, or deposited checks). If your business processes a high volume of paper transactions or cash deposits, our team will help you choose the account that minimizes any excess item fees – often, upgrading to Elite or Encore can save money if your volumes are high enough.

Accessibility and Account Management

No matter which checking account you choose, you’ll enjoy a host of convenient features that make managing your finances easy:

Digital Banking & Mobile App: Every Osgood Bank business account includes free standard Online Banking and Bill Pay, giving you 24/7 access to your accounts. You can check real-time balances, view transaction history and check images, transfer funds, and pay vendors all from your computer or smartphone. Our mobile banking app extends these capabilities on-the-go, with a user-friendly interface and secure login (including biometric authentication options). In short, you can manage your business finances anytime, anywhere – whether you’re in the office, at home, or traveling.
E-Statements and Alerts: We encourage paperless statements for security and convenience. You can opt-in to free e-statements and have your monthly statements delivered digitally, which are easy to store and retrieve. Plus, e-statements help you avoid mailing delays and reduce the risk of sensitive information sitting in your mailbox. Our online banking also lets you set up custom account alerts (via email or text) to notify you of important events, like low balances or large withdrawals, helping you stay on top of account activity in real-time.
Business Debit Cards and ATMs: All business checking accounts come with a free MasterCard business debit card for the owner and authorized signers, so you can make purchases or withdraw cash easily. You’ll have access to thousands of ATMs through our network partnerships. Osgood Bank participates in a regional ATM network that provides surcharge-free access at many machines across Ohio and nationwide (so even though we don’t have an ATM on every corner in Greenville, you can likely find a free ATM nearby when you need cash). Of course, you can also withdraw, deposit, or cash checks fee-free at any Osgood Bank branch. For after-hours deposits, our branches offer secure Night Drop depository services as well, which many local merchants use to drop off daily cash deposits outside of lobby hours.
Online Account Management Tools: Our digital platform isn’t just for checking balances – it’s a powerful toolset. You can download transaction data into QuickBooks or other accounting software to streamline your bookkeeping. Need to delegate some account access? We offer customizable user permissions so your bookkeeper or office manager can have limited access to view accounts or initiate transfers without giving up full control. Through our secure online portal, you can also send secure messages directly to our banking team with any questions or requests, and you’ll receive prompt support electronically. In essence, we’ve made it possible to do virtually all your banking remotely, which is a big plus for busy entrepreneurs.

Business Checking Highlights at a Glance

To summarize the key features of Osgood Bank’s business checking accounts:

Multiple Account Options: Choose from Edge, Elite, or Encore checking to fit your business size and needs (from low-cost basic checking to interest-bearing accounts with premium perks).
Manageable Requirements: Reasonable opening deposits ($100–$2,500) and ways to waive monthly fees through balances or e-statements.
Interest & Benefits: Interest earnings on Elite and Encore accounts, plus discounts on cash management services for higher tiers.
Free Digital Services: All accounts include free online banking with bill pay, mobile app access, e-statements, business debit cards, and more for easy account management.
Convenient Access: Surcharge-free ATM network access, branch night drop services, and dedicated business bankers available for support whenever you need assistance.

By offering flexible choices and robust features, Osgood Bank ensures Greenville businesses have the right checking account for their daily operations.

Business Savings & Money Market Accounts

Managing cash flow isn’t just about checking – it’s also about making your surplus funds work harder. Osgood Bank provides flexible business savings solutions to help you set aside funds for future needs while earning competitive interest. Whether you’re building an emergency reserve, saving for equipment purchases, or simply want to earn interest on excess operating cash, we have options that balance liquidity and yield. Here are the types of business savings accounts we offer and how they can complement your daily operations:

Business Savings Account: A straightforward savings account for businesses. It’s perfect for short-term reserves and rainy-day funds. You earn a competitive interest rate on your balance while keeping funds easily accessible. There’s no lengthy commitment – you can withdraw or transfer money whenever your business needs it (up to certain regulatory limits on withdrawals). In practice, many Greenville business owners use this account to set aside money for quarterly taxes, annual insurance premiums, or simply as a buffer for unexpected expenses. The interest you earn helps offset inflation and adds a little extra to your bottom line, all while your money remains liquid and readily available. This account has a low minimum balance requirement to avoid a small monthly fee (and if you also have an Osgood business checking, the fee may be waived entirely as part of a relationship package – check with us for current details).
Business Money Market Account: If you maintain higher balances and want to maximize your interest earnings without sacrificing access, our Money Market Account is an excellent choice. It offers tiered interest rates, meaning the more you save, the higher your rate can go. This can help your money grow faster when you’re holding substantial funds (for example, a seasonal business accumulating cash in peak months can earn more interest until that money is needed in the off-season). The money market account still provides check-writing ability (usually up to 6 checks or withdrawals per month under federal limits), so you maintain liquidity for operational needs. It’s essentially a hybrid between checking and savings – you get higher yields on idle cash with the flexibility to transfer funds or pay occasional large expenses directly. Many businesses use money markets to park large deposits (such as a lump-sum contract payment) while gradually using them, or to save up for a major purchase. With Osgood’s competitive tiered rates, your balance works harder for you until you’re ready to deploy it.
Business Certificates of Deposit (CDs): For funds that you won’t need for a while and want an even higher guaranteed return, we offer Business CDs with fixed interest rates and various term lengths. A CD is ideal for longer-term savings goals – for instance, if you’re setting aside money for a planned expansion next year or you simply want to earn a higher rate on a portion of your reserves. With a CD, you “lock in” a rate for the chosen term (from a few months to several years), giving you predictable returns and FDIC-insured safety. Osgood Bank’s CD rates are very competitive, and we can tailor the term to match your timeline – for example, a 6-month CD for short-term surplus or a 24-month CD for longer projects. How this complements your operations: CDs are great for surplus cash that would otherwise sit idle; by earning a higher fixed rate, your business capital grows steadily until you need it. Just be mindful that early withdrawal of a CD may incur a penalty, so it’s wise to use CDs for truly idle funds or stagger multiple CDs (a “ladder” strategy) to maintain some liquidity.

Competitive Rates and Liquidity: Across all these savings products, Osgood Bank offers competitive interest rates to help your money grow. We regularly post our business savings, money market, and CD rates on our website, and our bankers can provide guidance on which option will yield the best return for your situation. Importantly, all our savings accounts maintain easy transferability – you can move money between your business checking and savings or money market through online banking in seconds, at no charge. This means if an unexpected opportunity or expense arises, you can instantly transfer funds from savings to checking and write a check or make a payment. In effect, your savings become a strategic tool: you earn interest when cash is not immediately needed, yet you can deploy it into your operations at a moment’s notice.

How Savings Accounts Benefit Your Business: Keeping all your money in a non-interest checking account means missing out on potential earnings. By contrast, an Osgood Bank business savings or money market account ensures every dollar is working. For example, you might keep a few months’ worth of operating expenses in checking and sweep the rest into a money market for higher yield. Many Greenville companies maintain a separate savings account as a “tax escrow” or emergency fund, automating transfers each month so that come tax time or an unplanned expense, the money is there – stress-free and with a bit of extra interest income. In sum, our savings solutions provide liquidity when you need it and growth when you don’t. And just like our checking accounts, all deposits in our business savings, MMAs, and CDs are FDIC-insured up to $250,000 per depositor (and we offer services like ICS, detailed below, to insure larger balances).

Commercial Lending & Credit Solutions

Capital is the lifeblood of business growth. Osgood Bank offers a comprehensive range of commercial lending and credit solutions to help Greenville businesses expand, invest, and succeed. As a community bank, we pride ourselves on local, relationship-based lending – we get to know you and your business personally, so we can tailor financing with flexible terms that larger impersonal banks might not accommodate. Our loan officers live and work in the region, so loan decisions are made quickly and locally, with an understanding of the local market. In practice, this means faster answers and more flexible structures for you. Here’s an overview of the business loans and credit lines available from Osgood Bank:

Commercial Real Estate Loans: Whether you need to purchase your first commercial building, expand to a larger facility, or refinance an existing property, we have financing to support your real estate needs. A commercial real estate loan from Osgood Bank can help you buy or build new space, renovate a current location, or even invest in rental/commercial properties. We offer competitive fixed or variable interest rates and terms that align with your project (often up to 20-year amortizations). Because decisions are local, we can be creative – for example, working with you on loan-to-value requirements or tailoring payment schedules to seasonal cash flow. Owning your business property is an investment in your company’s future, and we’re here to provide the financing and guidance to make it happen.
Equipment Loans: When it’s time to upgrade machinery, purchase new technology, or add vehicles to your fleet, an equipment loan provides the funds you need without draining your working capital. Osgood Bank’s equipment loans cover everything from heavy machinery and manufacturing tools to office equipment and company trucks. We typically structure these loans to match the useful life of the asset – for instance, a 5-year term for equipment expected to last 5+ years – so you’re not paying for obsolete gear. With our equipment financing, you can acquire the tools your business needs to operate efficiently, without tying up cash. And since the equipment often serves as collateral, we can offer attractive rates and quick approvals. Keep in mind, Osgood Bank also has a specialized equipment financing division (“Osgood Funding,” see next section) for certain industries, so we have extra expertise in this area to get you a great deal.
Working Capital Loans & Lines of Credit: Not all business financing is about major purchases – sometimes you just need extra cash flow. For those needs, we offer working capital loans and revolving lines of credit. A working capital loan is typically a shorter-term installment loan to cover things like seasonal inventory buildup, payroll during a slow period, or bridging a timing gap in receivables. A business line of credit is a more flexible option: it’s like a credit card but usually at much lower interest, and you can draw funds as needed up to an approved limit. Many Greenville businesses secure a line of credit as a cash cushion – you might not need it today, but it’s there to draw on instantly if an unexpected expense or opportunity arises. For example, if you win a big contract and need to ramp up supplies quickly, you can tap the line to buy inventory, then pay it down as you get paid. Our lines of credit often renew annually and can be unsecured or secured by business assets. They truly provide peace of mind and financial agility for day-to-day operations.
Commercial Construction Loans: If your project involves building from the ground up or significant construction/renovation, we can provide construction financing. While not explicitly listed in the outline, Osgood Bank does finance construction projects (commercial or residential development), often by providing an interest-only construction loan that converts to a permanent mortgage upon completion. We have expertise in managing construction draws, inspections, and working with contractors to ensure your project is funded smoothly through each phase. Our construction lending is another area where local decision-making is key – we understand local building costs, permitting processes, and the importance of timing, so we work closely with you for a successful build.
Business Acquisition & Expansion Loans: When opportunity knocks – perhaps to buy out a competitor, acquire an existing business, or expand through purchasing a franchise – Osgood Bank can step in with financing. Our Business Purchase Loans help entrepreneurs acquire companies or partners’ shares with structured loans that make the transition feasible. We focus on keeping payments affordable by considering the cash flow of the business being acquired. Similarly, if you’re ready to expand your current operation (opening a new location, for example), we can blend real estate, equipment, and working capital financing to support your growth plan. We also participate in SBA loan programs (such as SBA 7(a) or 504 loans) for acquisitions and expansions that qualify – these programs, partially guaranteed by the government, can allow for lower down payments or longer terms, making it easier for small businesses to finance big moves. Our team will help determine the best conventional or SBA route for your situation.
Agriculture Loans: Agriculture is a vital part of the Darke County economy, and Osgood Bank has a long heritage of serving local farmers. In fact, our roots run deep in agriculture and we offer specialized ag loans (we have an entire Agriculture Loans division). For Greenville-area agribusinesses and family farms, we finance farmland purchases, farm equipment, livestock, grain storage, and operating lines for seed, feed, and fertilizer. (See the next subsection for more on our ag loans, or visit our Agriculture Loans page.) We understand the cyclical nature of farming and can structure loans with seasonal payment schedules (for example, annual payments timed after harvest). With Osgood Bank, farmers get a banking partner who truly understands their business – which is increasingly rare as big banks pull back from rural lending.

Local Decision-Making & Flexible Underwriting: A common theme across all these loan types is our local, personalized approach. Unlike some large banks that rely strictly on computer models or require distant committee approvals, Osgood Bank considers the whole picture of your business and the local context. We make our credit decisions in-house with experienced commercial lenders who know the Greenville market. The result is often quicker turnaround times and more flexibility. For example, we might be able to accommodate unique collateral, consider projections for a growing business, or customize a repayment plan – because we’re sitting down with you face-to-face, not just ticking boxes. As our own CEO has said, we bring a relationship-driven approach to every loan, becoming “a partner invested in your success for the long haul”. Our goal isn’t just to make a loan; it’s to help your business succeed so that we can grow together. This philosophy leads to financing solutions that are tailored to your needs – truly one of the biggest advantages of choosing Osgood Bank for commercial lending.

Application Process & Personalized Support: Applying for a business loan at Osgood Bank is a consultative process. It often starts with a conversation – you can call or visit our local commercial lending team to discuss what you’re looking to do. We’ll guide you on what information and documentation is needed (typically financial statements, tax returns, a business plan or project details, etc.). Our lenders will personally assist you through each step, from application to closing. We know that dealing with financing can be daunting for busy entrepreneurs, so we strive to make it as easy and fast as possible. You’ll have a single point of contact (a dedicated loan officer) who will answer your questions, help structure the loan, and keep you updated. Many of our Greenville clients appreciate that they can pick up the phone and call us anytime – even after the loan is on the books, we’re here to support you and can be flexible if your needs change. In short, when you get a loan from Osgood Bank, you’re not just getting a lender – you’re gaining a financial partner and advisor in your corner.

Merchant Services & Business Payments

In today’s world, customers expect to pay for goods and services in a variety of ways – credit cards, debit cards, mobile wallets, online payments, you name it. As a business owner, you need reliable, secure payment processing to make sales wherever your customers are. That’s why Osgood Bank offers a full suite of Merchant Services and business payment solutions, in partnership with industry-leading provider BancCard. We make it simple for Greenville businesses to accept credit cards, debit cards, and digital payments – whether in-store, on the go, or online – all through a single, integrated platform. Here’s how our merchant services can power your business:

Credit & Debit Card Processing: You can accept all major card brands (Visa, MasterCard, Discover, American Express, etc.) through our program with ease. We’ll set you up with a merchant account that offers fast, reliable transaction processing. Funds from card sales are deposited quickly into your Osgood Bank account, improving your cash flow. Our rates are competitive and transparent, with options for flat-rate or interchange-plus pricing depending on what’s best for your volume. By consolidating all card types through one provider, you eliminate the need for multiple systems and get one easy-to-read statement. Bottom line: You’ll be able to say “yes” when a customer pulls out any card to pay, and you can trust that the transaction will be processed securely and swiftly.
Mobile Wallet & Contactless Payments: Consumer payment habits are evolving, and more people prefer using their phone or smart watch to pay. With Osgood Bank’s merchant solutions, you can accept mobile wallet payments like Apple Pay, Google Pay, Samsung Pay, and other contactless methods. Our card terminals and point-of-sale systems are equipped for NFC (near-field communication), allowing tap-and-go payments. Offering contactless transactions not only provides convenience (and speed at checkout), but also reassures health-conscious customers who prefer minimal contact. Staying current with payment technology – from chip cards to smartphone wallets – shows your customers that your business is modern and customer-friendly.
Point-of-Sale (POS) Systems: If your business needs more than a basic card terminal – for example, a full POS system for a retail store or restaurant – we have you covered. We offer scalable POS solutions that can include touchscreen registers, receipt printers, barcode scanners, cash drawers, etc., depending on your needs. Through our partnership, we can equip a small boutique with a simple tablet-based POS or a busy restaurant with a robust system that handles tickets and prints kitchen orders. These systems can manage inventory, track sales, and integrate with accounting software, which is a huge plus for efficiency. The beauty is that they’re all integrated with your merchant account, so sales flow seamlessly to your bank. We’ll help recommend the right setup – whether you’re a cafe, a retail shop, or any Greenville business – we have a POS solution to fit, and our team will assist with installation, training, and ongoing support.
Mobile Processing: For businesses on the move – think contractors, food trucks, market vendors, or anyone who needs to accept payments outside a storefront – we provide mobile processing solutions. This could be a smartphone card reader or a portable wireless terminal that allows you to take payments anywhere with a Wi-Fi or cellular connection. For example, if you’re a landscaper or electrician, you can swipe a customer’s card on-site upon job completion and get paid instantly. Or if you deliver products, you can accept payment at delivery. The devices encrypt transactions in real-time and function just like a normal in-store terminal. By using mobile processing, you speed up your cash flow and enhance customer convenience, eliminating the “I’ll send you an invoice” wait. Osgood Bank’s mobile merchant tools make sure you never miss a sale just because you’re not behind a counter.
E-Commerce & Online Payments: If you sell products or services online – or plan to – our e-commerce solutions will get you up and running smoothly. We can help integrate secure payment gateways into your website or set you up with a turnkey e-commerce platform. From shopping cart integration to hosted payment pages, we ensure that your online customers can pay easily and securely. Our solutions support all major credit cards and even alternative payments like PayPal if needed. For businesses without an existing online store, we have resources to assist with web store creation and virtual terminals (so you can key in card payments for orders by phone or invoice). Selling online opens your Greenville business to a wider market, and we make sure you can capture revenue from web sales with minimal fuss.
Gift Card & Loyalty Programs: Want to attract new customers and keep them coming back? We offer customizable gift card programs and loyalty rewards solutions as part of our merchant services. You can have branded gift cards for your business that customers can purchase (a great way to generate upfront sales and bring in new faces when the cards are redeemed). Our loyalty program options let you reward repeat customers – for instance, a points system or digital punch-card that gives discounts or freebies after a certain number of purchases. These programs have been proven to boost sales and customer engagement, and we handle the technical setup and processing. Many local merchants find that a gift card program around the holidays can significantly increase revenue, and loyalty rewards encourage regulars to spend more. With Osgood Bank’s help, even small businesses can implement these marketing tools easily.
Integration with Business Tools: Our merchant services aren’t siloed – they can integrate with your other business systems. Whether it’s syncing card payments with QuickBooks or linking your online orders to your inventory management, we strive to make data flow seamlessly. The point-of-sale systems we provide can be tied into inventory databases and employee timekeeping. The virtual terminal can integrate with invoicing software. In short, we help you connect the dots so that accepting payments also supports your accounting and operations. This saves you time (fewer manual entries) and reduces errors. Additionally, all transactions run through our platform come with robust reporting. You can log into your merchant account dashboard to see sales trends, batch settlements, and other analytics – useful for tracking your business performance.

By partnering with Osgood Bank for merchant services, Greenville businesses get one trusted partner for all payments – instead of juggling third-party processors or online services, you have local support through us. We’ll ensure your card processing is secure, PCI-compliant, and cost-effective. You also get the convenience of having your merchant deposits go straight into your Osgood checking account, often as soon as the next business day, improving cash flow. And if you ever have an issue or question, you’re not calling a far-off 1-800 number; you can reach out to our team who will help resolve it.

In summary, from swipe or chip transactions at the counter to tap-and-go mobile payments and online checkout, Osgood Bank’s merchant solutions have you covered. These services make it easier for customers to pay you – and when it’s easier to pay, it’s easier to grow your sales. We’re here to equip your business with the latest payment technology so you never miss a sale and always project a professional image to your clientele.

Cash Management & Treasury Services

As your business grows, managing cash flow efficiently becomes increasingly important. Osgood Bank offers a range of Cash Management and Treasury Services that go beyond basic online banking, giving Greenville businesses advanced tools to control funds, process payments, and protect against fraud. Many of these solutions are provided through our digital banking platform – some are free with enrollment, and others come with a small fee – but all are designed to save you time, add security, and improve your financial operations. Here are the key treasury management services we provide:

ACH Origination (Payments & Payroll): If you want to streamline how you pay vendors or employees, our ACH Origination service is the answer. This lets you electronically send payments through the Automated Clearing House network – ideal for payroll direct deposits, vendor payments, or recurring dues/subscriptions your business needs to pay. Instead of writing checks, you can upload or create an ACH file in our online portal, and payments will credit the recipients’ bank accounts on the specified date. For payroll, this means employees get their pay directly in their accounts on payday (no paper checks to distribute). For payables, it means you can pay suppliers with a few clicks, improving efficiency and often taking advantage of early-pay discounts. You can also use ACH to pull in receivables (with proper authorization) – for example, collecting monthly membership fees from customer accounts. Our system supports templates to store recurring payment info, saving you time on each run. ACH origination is a powerful tool to automate cash flow, and Osgood Bank provides it with user-friendly software and guidance on setup. We take security seriously too – multi-factor authentication and dual control options are available to ensure only authorized payments go out.
Wire Transfers: For those times when you need to move funds fast and securely, we offer domestic and international wire transfer services. Wires are same-day, guaranteed funds – often used for large purchases (e.g., buying real estate or expensive equipment) or urgent payments. Through Osgood Bank’s cash management portal, you can initiate wires electronically with proper security credentials. We’ll verify and transmit the wire so your money reaches its destination within hours. We offer competitive wire fees and can handle foreign currency transfers if you’re paying international partners. When you need the speed of a wire, just contact us or use the online form, and we’ll ensure your funds are transferred quickly and safely. We also facilitate incoming wires to your accounts. If your customers or lenders need to wire money to you, our team will provide you with the instructions and ensure those incoming funds are credited promptly.
Remote Deposit Capture (RDC): If your business still receives a lot of paper checks, driving to the bank frequently to deposit them can be a chore. Our Remote Deposit Capture service solves that by enabling you to deposit checks right from your office. There are two forms of RDC we provide:
- Mobile Remote Deposit Capture: Using our business mobile banking app, you can simply snap a photo of incoming checks with your phone and deposit them into your account, anytime 24/7. This is great for lower volumes or on-the-go deposits – for instance, a field service provider who receives checks from clients can deposit them immediately via mobile, no trip to the branch needed.
- Desktop Remote Deposit Capture: For higher check volumes, we can install a desktop check scanner at your office. With this device, you can scan batches of checks and transmit them securely to Osgood Bank for deposit. It’s fast and efficient – many businesses do their daily deposit in minutes after closing. No need to visit the bank or rely on courier services. We offer this as a premium service for a small monthly fee (though remember, our Elite and Encore checking accounts give discounts on RDC fees). The time and fuel saved, plus the faster availability of funds, often more than justify the cost. Remote deposit capture essentially brings the bank’s teller window to your desk, which is a huge convenience for busy companies.
Positive Pay (Fraud Protection): Fraud prevention is a critical part of cash management. Positive Pay is an advanced service that helps guard your accounts against check fraud and ACH fraud. With Check Positive Pay, you provide us with a list of checks you’ve issued (usually via a simple file upload of check number and amount). When checks come in to be paid, we automatically compare them to your issued list – if anything doesn’t match (e.g., an altered amount or a completely unknown check), the system flags it for your review before payment. This stops fraudulent or altered checks from clearing your account. We also offer ACH Positive Pay/Filter, where you can set rules for ACH debits – for example, only allow certain vendors or certain maximum amounts, and anything outside those rules will require your approval. Positive Pay significantly reduces the risk of loss from check-washing scams or unauthorized withdrawals, giving you peace of mind. In an era of increasing fraud attempts, it’s a highly recommended tool. The best part is Osgood Bank provides Positive Pay as part of our cash management services – we consider it part of our commitment to protecting your business.
Sweep Accounts: To maximize the efficiency of your funds, we offer sweep account services. A sweep can automatically transfer excess balances from your checking account into an interest-bearing account (or vice versa to cover a shortfall) based on pre-set thresholds. For instance, you might want to always keep $20,000 in checking for liquidity and have anything above that amount swept into a higher-interest savings or money market overnight. Conversely, you might link a line of credit to your checking, and a sweep can pay down the line with any balances above a threshold – reducing your interest expense. Sweeps are great for “making your money work harder” without you having to manually initiate transfers each day. Our team will work with you to set up the right sweep arrangement, whether it’s investment sweeps, loan sweeps, or zero-balance accounts (where sub-accounts feed a master account). These automated funds transfers optimize your cash usage and ensure you’re not leaving idle funds uninvested nor paying unnecessary interest on loans.
Recurring Transfers & Automated Payments: In addition to full sweep accounts, our online system lets you set up recurring ACH or internal transfers on your schedule. For example, automatically move $5,000 from checking to savings every month as a reserve, or schedule a funds transfer to your payroll account every two weeks. Automating routine movements of money can save you time and enforce your budgeting discipline (like “paying yourself first” into savings). Many businesses use this for things like transferring a portion of revenues into a tax savings account each month. It’s a simple tool, but effective for cash flow management.
Payroll Services: While not a full payroll processing service, our cash management tools (ACH origination) enable direct deposit for payroll. Additionally, we can refer you to payroll partners or support integration if you use popular payroll software. The goal is to ensure your payroll is seamless: you fund one payroll debit, and the service credits all your employees – no fuss. Moreover, Osgood Bank can assist with payroll tax payment automation via ACH Credit or wire to taxing authorities, ensuring those critical payments are on time.
Account Reconciliation & Reporting: Through our treasury management portal, you can receive detailed reports that help with reconciling your accounts. We provide end-of-day and intraday reports of transactions, paid checks, ACH activity, etc. You can export these to Excel or accounting systems. For businesses with high volume, we offer automated reconciliation services where we match checks paid against your issue file (this goes hand-in-hand with Positive Pay). The result: you spend less time reconciling bank statements and more time running your business. Our team can also set you up with alerts for things like low balance, ACH returns, or large incoming wires, so you stay on top of important treasury events.

In summary, Osgood Bank’s cash management suite gives Greenville businesses big-bank treasury capabilities with community-bank service. We enable you to handle everything from processing a payroll for 50 employees, to depositing dozens of checks from your biggest client, to protecting yourself from fraudsters – all with secure, modern tools at your fingertips. Many of these services, like mobile deposit and basic ACH transfers, are included free with your account. More advanced tools (desktop RDC, ACH origination, wires) may involve a nominal fee, but we often waive or discount those fees for our top-tier checking customers or through promotions. Our goal is to provide value – if a service saves you time, money, or reduces risk, we want to make sure you have access to it.

Lastly, implementing these services is straightforward. Our cash management specialists will personally help set up the technology, train you and your staff on how to use it, and remain available for support. You’re never left alone to figure it out – we are a phone call away to assist. With Osgood Bank’s cash management, you truly get customized online cash flow solutions that grow with your business needs. This level of support and flexibility is something our larger competitors can’t easily match, and it’s part of why so many local businesses entrust their treasury operations to us.

Equipment Financing (Osgood Funding)

When your business relies on specialized equipment, having the right financing can mean the difference between seizing an opportunity or falling behind. Recognizing this, Osgood Bank offers dedicated equipment financing solutions through our subsidiary Osgood Funding. Osgood Funding was created when Osgood Bank acquired a small equipment finance company (Accord Financial Group of Covington, OH) in 2024. This acquisition expanded our capabilities to provide “small-ticket” equipment financing programs for both vendors and end-users across several industries. In simple terms, we can finance equipment purchases quickly and competitively, whether you’re buying equipment for your own business or you are a vendor offering financing to your customers. Here’s what you need to know about this specialized service:

Industries Covered: Osgood Funding focuses on key sectors such as Agriculture, Construction, and Material Handling, among others. These were the core industries of the acquired company and remain our specialties:

For agriculture, we finance farm equipment like tractors, combines, planters, irrigation systems, grain bins, and more. If it’s on a farm and has wheels or engines, we likely finance it. This goes hand-in-hand with our commitment to local farmers (who often need financing for expensive farm machinery).
In construction, we offer financing for equipment such as excavators, loaders, bulldozers, cranes, cement mixers, and other heavy machinery. Construction companies in the Greenville area can utilize this to acquire new or used equipment to take on bigger projects.
For material handling, think forklifts, warehouse racking systems, skid steers, pallet jacks, and other equipment used in manufacturing plants or logistics warehouses. If your business needs to move materials efficiently, we can help you finance those tools.
We also cover other industries like trucking (semi-trucks, trailers), landscaping equipment, medical/dental equipment, and technology/office equipment through Osgood Funding’s programs. The range is broad – essentially, if the asset is critical to running your business and has a resale value, we can likely finance it.

Types of Equipment Financed: We finance both new and used equipment, with typical “ticket sizes” ranging from a few thousand dollars up to the mid-six-figure range.(for very large machinery). Through Osgood Funding, we can structure:

Equipment Loans: Traditional loans where you purchase the equipment and we hold a lien on it. You repay over a term (often 3-7 years) and at the end, you own the equipment free and clear.
Equipment Leases: In some cases, a lease might be advantageous (for tax or upgrade reasons). We offer capital leases or lease-purchase agreements where you effectively rent the equipment for a period and then assume ownership for a nominal amount (or return it). This can result in lower monthly payments or off-balance-sheet financing, depending on your accounting needs.
Vendor Financing Programs: If your company sells equipment (for example, you’re a farm implement dealer or a heavy truck dealership), Osgood Funding can work with you to offer financing to your customers. Essentially, we become the behind-the-scenes financing arm for your sales, enabling you to close deals with customers who need payment plans. This helps local equipment vendors compete and sell more units by providing attractive financing options at the point of sale.

Quick Approval Process: Equipment purchases often need to happen on a tight timeline – maybe a used machine came up for sale at a great price, or a vital piece of equipment broke and needs replacement ASAP. Osgood Funding is set up for fast credit decisions and streamlined paperwork. Because this is a niche we specialize in, our underwriting is efficient: for smaller deals, we might approve within hours based on a simple application and credit review. For larger deals, we still move quickly, often giving conditional approvals while we await full financial information. The key is, we understand the urgency and we cut through red tape. Our team can often approve financing faster than big, out-of-state equipment financiers because we’re local and empowered to make decisions.

Competitive Rates & Flexible Terms: Through Osgood Funding, we offer rates that are very competitive in the equipment finance market (often fixed rates so you have predictable payments). We can tailor the loan term to the expected life of the asset – for example, 5-year term for a tractor, maybe shorter for tech equipment that becomes obsolete faster. Down payments are flexible too: some programs may offer zero down or very low down financing if credit qualifies, while others might require around 10-20% down. We work with what you’re comfortable contributing. Another benefit is we can structure seasonal payment plans for equipment loans, especially for agriculture – e.g., skip payments in winter, heavier payments after harvest – aligning with your cash flow. We can also allow for early payoff without harsh penalties in many cases, giving you flexibility if you choose to retire the debt early.

Relationship Benefits: If you’re already an Osgood Bank customer, using Osgood Funding for equipment financing keeps all your banking in one friendly place. Your Osgood Bank commercial lender can coordinate with the Osgood Funding team to make the process seamless. And if you’re new to us coming through Osgood Funding, you’ll quickly see the level of service we provide – it might encourage you to consolidate other banking needs with us, which we welcome! We see equipment financing not just as a one-off transaction but as the start of a deeper banking relationship. Many Greenville-area businesses have come to us first for an equipment loan and ended up moving their accounts over once they experienced our service and got to know our team.

In essence, Osgood Funding extends our ability to help your business grow by ensuring you have access to the equipment you need. By handling this in-house (instead of referring you to a generic finance company), we maintain the same personal service standards and local touch that define Osgood Bank. We’re excited about what Osgood Funding brings to the table – as our CEO noted, it allows us to diversify both risk and revenue streams while serving customers better. For you as a customer, that means more options and expertise at your disposal. Whether it’s a combine for your farm, a bulldozer for your construction firm, or a fleet of forklifts for your warehouse – talk to Osgood Bank about financing before you assume you can’t afford it. Chances are, we have a solution that will put that equipment in your hands and keep your business moving forward.

Business Banking Digital Experience

In an era where business happens around the clock and often on the go, Osgood Bank delivers a state-of-the-art digital banking experience to our business clients. We know that Greenville entrepreneurs wear many hats and can’t always run to the bank – so we’ve invested heavily in technology to ensure you can bank when you want, how you want, securely. Our online and mobile banking platforms are feature-rich, user-friendly, and backed by robust security measures to protect your finances. Here’s an overview of the digital tools you’ll have at your fingertips with Osgood Bank:

Online Banking Dashboard: When you log in to Osgood Bank’s Business Online Banking, you’ll see a comprehensive dashboard of all your accounts – checking, savings, loans – in one place. The interface provides real-time account details and balances, so you always know exactly where you stand. You can click into each account to see transaction history, including check images and deposit slip images (no more guessing who that check was from – just view the image online). The system updates continuously throughout the day, reflecting transactions as they post. This real-time insight is critical for managing cash flow day-to-day.

Easy Fund Transfers: Moving money between your accounts is simple. Need to top off your payroll checking from savings? Or transfer funds from your business account to a personal account? You can do those in seconds online. You can also set future-dated transfers or recurring transfers (as discussed in Cash Management) for convenience. If you have accounts at other banks, we offer external account transfer capabilities too – you can link an external account and initiate transfers to/from Osgood Bank (subject to verification and limits). We really aim to make Osgood Bank your digital financial hub.

Bill Pay and Vendor Payments: Our integrated Bill Pay service allows you to pay virtually any company or individual in the U.S. from your Osgood Bank account. Through Bill Pay, you can set up one-time or recurring payments. It’s great for handling your monthly business bills – rent, utilities, suppliers, etc. – all in one place. You can also use it to send payment to independent contractors or other non-traditional payees; if the system can’t send an electronic payment to them, it will automatically mail a check on your behalf. Bill Pay keeps a record of all these disbursements, helping you track expenses. Plus, paying electronically often means faster delivery and more reliable timing than writing checks. Many businesses also reduce check fraud risk by using Bill Pay since fewer physical checks are in circulation.

Mobile Banking App: Our Osgood Bank Business mobile app brings all the power of online banking to your smartphone or tablet. It’s available for iOS and Android and offers a secure, convenient way to manage your accounts. With the app, you can check balances, transfer funds, pay bills, and even deposit checks via Mobile Deposit (just snap a photo). It’s like having an Osgood branch in your pocket! The app uses multi-factor authentication and fingerprint/face recognition (if you enable those) for security. Many of our customers love the freedom the mobile app gives – for instance, you might be at a supplier’s office and realize you need to pay an invoice; you can literally open the app and send a payment or wire on the spot. Or if you’re traveling, you can stay connected to your cash flow 24/7. Account access anytime, anywhere is not just a slogan for us – it’s reality.

Secure Messaging and Alerts: Within online banking, we provide a secure message center where you can communicate directly with our customer service in an encrypted environment. If you have a question about a transaction or need to request a service (like a stop payment), you can send a message that is protected (avoiding regular email, which isn’t always secure for sensitive info). Our team typically responds promptly during business hours. Additionally, you can set up custom account alerts. For example, get a text or email if your balance falls below a certain amount, or when a deposit over a threshold arrives. This keeps you in control and informed without having to constantly log in.

Downloadable Data & QuickBooks Integration: We know many businesses use accounting software like QuickBooks, Xero, or Sage. Our online banking allows you to download transactions in multiple formats (CSV, Quicken/QuickBooks Web Connect, etc.). This makes reconciliation a breeze – just import the data into your accounting system and categorize it. For QuickBooks in particular, you can use the Web Connect feature to automatically pull transactions into your company file. This level of integration saves time and reduces data entry errors, meaning you can keep your books up to date with minimal effort.

Enhanced Security Features: Security is paramount in our digital experience. Osgood Bank employs advanced measures like encryption, firewalls, and continuous monitoring to protect our online and mobile banking systems. We also use tokenization technology to safeguard sensitive information. (For instance, when you set up Apple Pay with your Osgood Bank card, the actual card number is not stored on your device – a token is used instead – adding a layer of security for mobile wallet transactions.) Our online banking requires multi-factor authentication, especially when logging in from a new device (you’ll receive a one-time code via text or email to verify it’s you). For business accounts, we can enable dual-control (requiring two users to approve wires or ACHs) which is a recommended best practice to prevent unauthorized transactions. We participate in security programs like Positive Pay (discussed earlier) and provide education on fraud scams to help you stay vigilant. Rest assured that while we’ve made banking extremely convenient, we haven’t compromised on keeping your assets and information secure.

24/7 Account Access & Support: With our digital tools, you have 24/7 access to your accounts – banking no longer only happens “9 to 5.” Even outside of our branch hours, you can initiate transactions, view balances, and more. If you need assistance with the platform itself after hours, our online banking site offers a helpful FAQ and some self-service options (like password reset). For urgent issues such as a lost debit card, we provide a 24-hour hotline to report and block the card. And of course, during business hours, our support staff is just a call or message away to help with any digital banking questions. We understand that sometimes you might need a little guidance using a new feature – our team is happy to walk you through it. We also periodically offer Digital Banking Guides and one-on-one help to ensure you’re fully utilizing all the tools available.

In summary, Osgood Bank’s digital banking experience empowers you to run your business finances efficiently on your own terms. You’ll save time by handling routine banking online, gain better insight into your cash flow with real-time info and integrations, and enjoy the peace of mind of strong security. It’s like having the bank open all the time, just for you. We continually update our digital services as well – for example, we’ve made significant technology investments in 2024 to ensure we have the most up-to-date and secure digital tools for our customers. So as banking technology evolves, you can count on Osgood Bank to keep you at the cutting edge while still providing the local, friendly support you value.

Success Stories and Testimonials

One of the best ways to gauge a bank’s performance is to hear from fellow business owners who have worked with them. We’re proud to share that many Greenville-area and western Ohio business clients have not only achieved their goals with Osgood Bank’s help but are eager to speak about their positive experiences. Here are a few success stories and testimonials from businesses we’ve partnered with:

Fast, Efficient Loan Funding: A local small business owner needed financing on short notice to expand his operations. He approached Osgood Bank after facing delays elsewhere. In his words: “They were very fast, efficient, and we got our funds in just a few days...amazing!”. He was impressed that our team could expedite the loan approval and funding process so quickly, allowing him to capitalize on a timely opportunity. This testimonial highlights our ability to move at the speed of business – when you need financing fast, Osgood Bank delivers.
Personal Relationship Banking: Another client, Mike, runs a family-owned enterprise in a nearby town. He values having direct access to decision-makers and a bank that listens. Mike shared: “There are very few banks where you can freely consult with the decision makers. We truly value our relationship with Osgood Bank.”. This speaks to the heart of our approach – at Osgood Bank, clients can sit down with our CEO, senior lenders, or whomever is needed to talk through their plans. We give you that small-town bank accessibility, no matter the size of your business. Mike’s relationship with us has grown over the years precisely because we continue to provide attentive service and tailor solutions as his business evolves.
All-Around Support for Growth: A commercial real estate investor, Scott, expanded his portfolio significantly with financing from Osgood Bank. Over time, we’ve helped him with various loans and accounts. Scott said: “Thank you to everyone at Osgood Bank for everything you have done for our entire portfolio.”. What stands out here is that Scott appreciates not just a single transaction, but the holistic support we’ve offered – from multiple loans to cash management services that made managing his properties easier. His entire investment portfolio benefited from our partnership. Scott’s gratitude reinforces our goal of being a long-term financial partner across all aspects of a client’s business ventures.
Agriculture Community Success: One testimonial from our agricultural clients highlights our role in their farming success. (Agriculture is huge in Darke County, after all.) A local farmer noted how quickly we turned around an operating line for planting season, stating that Osgood Bank’s speed and understanding of farm needs were “a game changer” compared to previous experiences. Another farmer pointed out that “there’s nothing like being able to talk to a lender who actually understands farming – it made the loan process smooth and gave me confidence”. These narratives underscore our expertise in niche areas like farm lending and how that expertise translates to real benefits for our clients – faster approvals and peace of mind.

These stories reflect a common theme: Osgood Bank goes above and beyond to support local businesses, and our clients notice the difference. From quick financing to personal attention to comprehensive services, our approach creates tangible results and loyal customers. We’re honored by such testimonials – they motivate us to keep delivering the exceptional service we’re known for.

If you’re considering working with Osgood Bank, remember that behind every product and service we’ve described, there are real businesses like yours that have succeeded with our help. We measure our success by your success – when you achieve your goals, we’ve done our job well. And judging by feedback from clients like Ken, Mike, Scott, and many others, Osgood Bank has made a meaningful impact on the business community. We’d love the opportunity to do the same for you.

(Do you have a success story with Osgood Bank you’d like to share? We are always eager to hear from our customers. Your story might even be featured on our website or newsletters with your permission!)

Local Expertise, Personal Service

At Osgood Bank, we firmly believe that banking is a people business. Especially for business banking, the relationship you have with your banker can be just as important as the accounts and interest rates. That’s why we take pride in our team of knowledgeable, dedicated professionals who focus on serving Greenville-area businesses with a personal touch. When you choose Osgood Bank, you’re not just getting a bank account – you’re getting a local team that genuinely cares about your success, knows you by name, and is ready to help in person, over the phone, or virtually. Here’s what our local expertise and personal service mean for you:

Meet Our Business Banking Team: We have a small but mighty team of business banking experts, including commercial lenders and support staff, many of whom have decades of experience in banking. For example, Zach Sommer, our Senior Lending Officer, has 15+ years of banking experience and is known for thinking outside the box to provide strategic advice to businesses. He prides himself on partnering with businesses to help them reach their goals. Robb Armentrout, one of our Commercial Loan Officers, brings over 27 years of experience and has worn many hats in banking – his clients love his outgoing personality and “devotion to doing what’s right for them”. Robb can assist with nearly any banking need due to his broad background. Having seasoned lenders like Zach and Robb on our team means you get expert guidance from people who have seen it all – recessions, growth spurts, industry shifts – and can navigate whatever financial challenge or opportunity you’re facing.

Dedicated to Greenville Businesses: While our branches may sit just outside Greenville city, our team is very much ingrained in the Greenville/Darke County business community. We attend local Chamber of Commerce events, business networking functions, and community gatherings to stay connected with what’s happening in the area. In fact, some of our staff either live in Greenville or grew up in Darke County, so we have personal ties here. When you talk to our bankers, you’re talking to people who understand the local market – from seasonal trends that might affect your business to the competitive landscape you operate in. This local knowledge allows us to give advice that’s relevant. We’re not an out-of-town bank trying to apply a one-size-fits-all formula; we tailor our recommendations to Greenville’s context and your specific situation.

Personal Relationship Banking: At Osgood Bank, you’re never just an account number. Our bankers make a point to build relationships. Don’t be surprised if we remember your name (and your business name, of course) after the first meeting. We encourage you to schedule consultations with us – come in for a cup of coffee and a chat about how things are going. We can review your financial plans, offer suggestions, or just listen to what your pain points are. And we make ourselves available on your schedule. Need an early morning meeting before your store opens? We can do that. Prefer a virtual Teams call over a lunch break? We’ll set it up. Our philosophy is to meet you where you are, figuratively and literally. Some of our business bankers will even stop by your location periodically, just to check in – that’s the kind of proactive service we provide.

Accessible Contact Information: We provide direct contact info for our key team members, so you can reach out easily. For instance, you’ll have your loan officer’s phone number and email, and they’ll typically respond promptly to any inquiries. Our main line (888-607-7640) is staffed during business hours by real people who can quickly connect you to the right person. No endless phone trees or call center runarounds. If you prefer email, that works too. Basically, getting in touch with your Osgood banker is hassle-free – we want to hear from you and we’re responsive when you reach out. In a world where some banks might make you wait days for a callback, we strive to be immediately responsive because we know your time is valuable.

In-Branch, Phone, and Virtual Support: We recognize that different situations call for different modes of interaction:

If you enjoy face-to-face discussions, our offices are open and welcome you. You can walk in or make an appointment to ensure the person you need is ready to meet. We love having our business clients visit – it gives us a chance to deepen our relationship.
If picking up the phone is easiest, just call. Often you can get things done with a quick phone call that might take longer via email. For example, if you suspect fraud or have an urgent need like a wire transfer, a phone call to our team will get immediate action.
If you’re tech-savvy or located a bit farther out, we are happy to meet via video conference. We started doing more virtual meetings in recent years and found them to be very effective, especially for busy owners. Screen-sharing allows us to, say, review a financial projection or demonstrate how to use an online banking feature, right with you in real time.
Even our text messaging is utilized in some cases for simple communication (always secure channels for sensitive info though).

The bottom line is, we adapt to your preferred communication style. And unlike some institutions where you never meet the underwriters or see the same person twice, at Osgood Bank you’ll have continuity. Many of our clients have worked with the same banker for years, building trust and even friendship. We find this leads to better outcomes: your banker truly understands your business over time, so when you need help, they can anticipate and tailor solutions more effectively.

Going the Extra Mile: Personal service to us also means advocating for you. For instance, if you’re applying for a loan, our lender will champion your case with our credit team, presenting the full story of your business – not just the numbers on paper. If you encounter a hardship, we’ll work with you (maybe restructuring a loan or finding a workaround) rather than give you a hard “no” like some impersonal banks might. If there’s a banking service you need that we don’t currently offer, we’ll try to find a way or connect you with someone who can help. Our mindset is that we’re on your team. One client told us, “I feel like I have a financial advisor on staff, without actually having one, because my Osgood banker is always looking out for my interests.” That’s exactly the sentiment we strive for.

In summary, Osgood Bank offers big bank capability with community bank care. Our team’s expertise ensures you get sound advice and sophisticated solutions, but our personal service ensures those solutions are delivered in a warm, friendly, and flexible manner. We know Greenville businesses work hard – your bank should work just as hard for you. When you partner with Osgood, you gain a hometown banking team that celebrates your wins, supports you through challenges, and is always just a phone call (or visit) away.

Community Commitment

Being a locally grown bank, Osgood Bank has a profound sense of responsibility and commitment to the communities we serve – including Greenville and the broader Darke County area. We don’t see ourselves as just a financial institution; we see ourselves as a community stakeholder. Our motto, “Do Well. Be Good.” isn’t just marketing – it reflects our belief that as we help our customers do well financially, we must also do good in our community. Here are some of the ways Osgood Bank, often through the Osgood Foundation, invests in and supports our local communities:

Osgood Foundation Initiatives: The Osgood Foundation is our nonprofit charitable arm that focuses on supporting economic development, social services, and education/youth programs in western Ohio. We use Foundation funds to provide grants and donations to a variety of causes. For economic development, we might support local revitalization projects, or entrepreneurship programs that ultimately benefit businesses like those in Greenville. For social services, the Foundation has contributed to organizations that provide food, shelter, and healthcare to those in need – for example, donating to community food pantries or partnering with programs like C.A.L.L. Ministries (as shown by our pantry donation event). In the realm of schools and youth, the Foundation funds scholarships (like the Indian Lake Scholarship), supports school programs (sports, arts, STEM initiatives), and youth organizations such as 4-H and FFA. The eligible regions for Foundation grants currently include Darke, Shelby, Auglaize, Mercer, and Logan counties – which squarely covers Greenville’s Darke County. This means Greenville-area nonprofits and schools can and do receive support. If your business or employees are involved with local nonprofits, know that Osgood Bank is often there too, either financially or with volunteer power.

Volunteer Work (Team Osgood in Action): Our employees are actively encouraged to volunteer for causes they care about. We even offer paid volunteer time for staff to engage in community service. As a result, you’ll frequently see Osgood Bank team members at community events wearing Osgood Bank volunteer shirts and pitching in. We have employees mentoring students in financial literacy programs (like going into high schools with our Banzai financial education partnership), serving on boards of local charities, coaching youth sports, and helping out at festivals. For example, we sponsor and volunteer at local events such as Heritage Days, county fairs, and festivals – recently, our team was out in full force at the 2025 German Heritage Days festival and the Maria Stein Country Fest. We also participated in the Mercer County Angel Tree program to provide holiday gifts to children in need, and were involved in fundraisers like the Minster Civic Association Golf Outing for local community projects. By volunteering, we aim to lead by example and encourage a spirit of giving back. It’s common to see our bank leadership side by side with staff at a volunteer day – this commitment flows from top to bottom.

Business Seminars and Education: We believe in empowering our business community with knowledge. Osgood Bank has hosted or sponsored free business seminars on topics ranging from preventing fraud (cybersecurity training for small businesses) to improving cash flow management. Through our Learning Center and partnerships, we sometimes bring in experts or use programs like the Banzai Business Education series to help our community members build financial acumen. These efforts demonstrate our commitment to not just provide banking, but also value-added education that strengthens the overall business environment.

Local Partnerships: We actively seek partnerships that benefit the community. For instance, Osgood Bank is a member of area Chambers of Commerce (Shelby County, Darke County, etc.), and we work with those organizations to support local business initiatives. We also partner with schools for programs like reality day (teaching students about personal finance) and with agricultural extensions for farm business workshops. One notable partnership: when another bank closed in the Village of Russia, Ohio, Osgood Bank stepped up to restore local banking services there, re-opening a branch in that community. This kind of commitment – stepping in to ensure small communities aren’t left without a bank – speaks volumes about our values. While Russia is a small village, it parallels how we’d view Greenville: if there’s a community need, we want to be part of the solution. (In Russia’s case, the town now has a local bank again, and we even celebrated with a grand opening event and a community restoration story.)

Resilience in Adversity: Community commitment also shows during tough times. A vivid example: in 2024, a devastating tornado hit the area near our Indian Lake branch, causing significant damage. Osgood Bank’s team worked around the clock to get that branch reopened quickly to serve the community’s needs. We also provided compassionate support – donating supplies, deferring loan payments for affected customers, and aiding in the relief efforts on the ground. In the aftermath, we made additional donations to local emergency funds. Similarly, during the COVID-19 pandemic, we proactively reached out to business customers to assist with PPP loans and loan payment relief, essentially trying to be a lifeline for businesses to stay afloat. When our communities face challenges, Osgood Bank aims to be a pillar of support, both financially and through service.

Quantifying Our Impact: Over the years, our community contributions have added up. We’ve assisted hundreds of families and organizations through charitable giving. Each year, the number grows – for example, under Tony Kaiser’s leadership, we implemented a program that annually helps more than 150 local families who suffer hardships, beyond traditional banking. We’ve also tracked our volunteer hours and donations: as mentioned, 400+ volunteer hours and $50k+ donated in just one recent year, and cumulatively much more. While we don’t do it for recognition, we have been honored for these efforts. In fact, Tony Kaiser’s recognition (the GSBC Tim Koch Award) partly came because of how the bank, under his guidance, ramped up philanthropic programs and created the Osgood Foundation. For us, the true reward is seeing the positive change – whether that’s a new business opening downtown, a family getting back on their feet after hardship, or students receiving scholarships.

To sum up, Osgood Bank’s commitment to community is unwavering and multifaceted. We invest money, time, and heart into Greenville and surrounding areas. When you bank with Osgood, you’re indirectly contributing to these good works too, because we channel resources back into the community. It creates a virtuous cycle: your support of us enables us to support many worthy causes that keep our region strong and vibrant. We believe that strong communities create a fertile ground for businesses to flourish – including yours. That’s why we’ll continue to be not just a bank, but a community partner, in Greenville, Ohio.

Why Osgood Bank is a Top Choice for Greenville Businesses

After exploring all the products, services, and values we offer, let’s boil it down: Why choose Osgood Bank over other banks in the Greenville area? There are certainly other options – from local banks and credit unions to big national banks – each with their own offerings. However, Osgood Bank stands out as a top choice for Greenville businesses because we combine the best attributes of a community bank with the capabilities of a larger institution. Here’s a summary of our key benefits and differentiators, including a comparison to regional and national competitors:

Deep Local Roots & Decision-Making vs. Big Bank Bureaucracy: Osgood Bank is locally owned and operated, with over a century of history in western Ohio. Our loan decisions are made right here by people who understand Darke County’s economy and your specific industry. This means faster loan approvals and flexibility. For example, unlike at a national bank where your application might be sent to a distant committee focused strictly on numbers, at Osgood your lender can present the full story and we’ll consider qualitative factors (like your character, local market knowledge, etc.). As a result, we often approve good loans that big banks might decline due to a box-checking approach. Competitors like Chase or Fifth Third may have a wide network, but they also have layers of bureaucracy. At Osgood, you can literally walk into the bank and speak to a decision-maker if needed – try doing that at a national bank HQ! This local touch yields what we touted earlier: “faster answers, flexible structures” in lending. If you value a banking partner that’s nimble and will work to customize solutions, Osgood is the clear choice.
Comprehensive Services & Technology vs. Smaller Institutions: On the flip side, some might consider other local community banks or credit unions. While they share the local touch, they often lack the breadth of services and advanced technology that Osgood Bank offers. For instance, Greenville Federal or some credit unions might offer basic business accounts and loans, but do they have sophisticated cash management, merchant services, or an equipment finance division? Not likely. Osgood Bank offers a one-stop-shop: from merchant card processing to ACH payroll and positive pay fraud protection to franchise financing, we have it all under one roof. This is a big advantage – you can consolidate all your banking needs with us, which not only is convenient but means we have a fuller picture to better serve you. We’ve invested in state-of-the-art digital banking on par with any big bank (mobile app, online banking with all the bells and whistles). Smaller competitors might not have the resources to provide those. So with Osgood, you don’t sacrifice capabilities for community feel – you get both. As one quick comparison, Park National (a regional bank in the area) offers a decent suite of business services, but they are a much larger regional bank where you might not get the same intimate service; Osgood matches their service range but with truly local personalization.
Personalized Customer Service vs. “Call Center” Culture: We’ve emphasized our personal service, and this can’t be overstated. Many larger regional or national banks centralize their customer service – you call a generic 800-number, you get shuffled around. At Osgood, you have direct lines to real people who likely know you. We build relationships. That means when an issue arises (perhaps a fraud incident, or you need a rapid amendment to a loan), we address it immediately and personally. Regional banks like U.S. Bank or Fifth Third, and definitely mega banks like Chase or Bank of America, simply can’t replicate that level of personal attention for a small business – their model is volume and standardization. Our model is high-touch and customization. Greenville National Bank (GNB), a local competitor, also prides themselves on relationships, but again, they might not have some of the specialized programs we do (for example, GNB doesn’t have an equivalent to Osgood Funding’s equipment finance program or our in-house foundation for community grants). When you line up the intangibles, Osgood’s commitment to going the extra mile for each customer truly differentiates us. As Mike said in his testimonial, “very few banks” allow the kind of direct consultation with decision-makers that we do – Osgood is one of those few.
Full Spectrum of Credit Solutions & Flexibility: If we compare pure lending capabilities: Osgood Bank offers everything from SBA loans to ag loans to commercial real estate, working capital lines, and beyond. We also have the capacity to finance larger deals – our assets have nearly tripled in recent years, meaning we can handle bigger loans than some smaller peers. But we’re still small enough to consider unique situations. A national bank might have more loan products, but they might pigeonhole you into a certain program with rigid terms (or if you’re a smaller fish, you may not even qualify for their attention). Osgood offers customized financing – we can mix and match, we can structure creatively (interest-only periods, seasonal payments, etc.), which many competitors can’t or won’t do. One specific example: during the PPP rollout in 2020, many large banks prioritized big clients and some small businesses were left out; Osgood Bank processed hundreds of PPP loans for businesses of all sizes, helping many who weren’t even our clients originally (some later moved to us because of that). That speaks to our agility and willingness to help when others might not.
Community Impact & Reputation: Choosing Osgood Bank means your banking dollars stay local and fuel local growth. We reinvest deposits as loans to local businesses and projects, helping to create jobs and development in the Greenville area. In contrast, deposits at a national bank might be funding projects in New York or overseas – not much comes back to benefit Greenville. Our own CEO won a prestigious banking award for excellence, underlining the caliber of leadership guiding our bank. These honors reflect the strong reputation we’ve built. While competitors may have their own claims, Osgood Bank’s track record of awards and community praise suggests you’re dealing with one of the best.

To illustrate differences in a quick bullet form:

Big National Bank (e.g., Chase): Offers wide ATM/branch network and advanced tech integration, but decisions are centralized and you may feel like just another account. Osgood offers advanced tech plus personalized, local service – you get the ATM access through networks and the digital tools, and you get humans who know you when you need support.
Regional Bank (e.g., Park National or Fifth Third): Offers a broad range of business products and treasury services, but may lack the intimate understanding of Greenville specifically. They have higher thresholds for fee waivers and might have more rigid policies. Osgood Bank offers an equally broad (if not broader) suite of products, but with tailored solutions and more lenient, case-by-case consideration (e.g., we might waive a fee as a goodwill for a loyal customer without requiring a formal policy exception – we have that discretion locally).
Local Community Bank (e.g., Greenville National Bank or Greenville Federal): Offers local decision-making and friendly service, similar to us, but possibly fewer product options (they might not have sophisticated cash management or the ability to finance a very large deal requiring special expertise). They also might not invest as much in digital innovation. Osgood Bank matches their personal touch but outpaces them in product depth and innovation (for example, our merchant services partnership with BancCard gives our clients solutions a small independent bank might not have).

Emphasis on Local Flexibility and Service: In summary, the reason Osgood Bank is a top choice is that we truly give you the best of both worlds: the caring, flexibility, and community focus of a small-town bank, and the robust services and resources of a larger bank. For Greenville businesses, that means no compromise. You can have a banker who comes to your ribbon-cutting ceremony and also provides you an online platform that rivals any big bank’s. You get a partner who donates to the local youth club your kids attend, and who can also structure a complex financing package for your expanding company.

We succeed when Greenville succeeds. That alignment of interests isn’t always present with bigger competitors. Our local roots ensure that your success literally contributes to the bank’s success, so we have every reason to go above and beyond. That’s why our clients like Mike and Ken rave about the difference they feel with us. We invite you to experience it for yourself and see why so many in our community say, “Osgood Bank is the bank that actually cares about my business.”

Next Steps & How to Open an Account

Ready to move forward with Osgood Bank? We make it easy to open a new business account or start a lending relationship. Whether you’re opening a business checking account, switching banks, or just starting your company, we’ll guide you through the process step by step. Here’s how to get started and what you’ll need:

What New Business Customers Need to Bring: To open a business account (checking, savings, etc.), you’ll need to provide some documentation about your business and identification for the individuals on the account. Don’t worry, these are standard requirements at any bank due to regulations – we’ll help you through it. Here’s a basic checklist:

Personal Identification: A valid government-issued photo ID (like a driver’s license or passport) for each owner or authorized signer on the account, plus some personal details like Social Security Numbers, date of birth, contact info. This is to verify identity and run required background checks (like ChexSystems or OFAC screening).
Tax Identification: Your Employer Identification Number (EIN) for the business (or SSN if you’re a sole proprietor with no EIN). If it’s a single-member LLC without employees, an SSN can serve, but generally an EIN verification letter from the IRS is best.
Business Formation Documents: Depending on your business type, different papers are needed:
- For an LLC: your Articles of Organization (stamped “Filed” by the state) or Certificate of Organization, and possibly your Operating Agreement, plus a resolution or other document authorizing the account opening.
- For a Corporation (Inc. or non-profit): Articles of Incorporation (or a Certificate of Good Standing from the state) and a Corporate Resolution authorizing the account, plus meeting minutes if required to show who can sign.
- For a Partnership: a Partnership Agreement and, if applicable, a Business Registration certificate or assumed name certificate if you operate under a DBA.
- For a Sole Proprietorship: if using a trade name, the Assumed Name Certificate (sometimes called a DBA filing) from the county, and potentially a simple sole proprietorship resolution form (we can provide a template).
- For certain organizations like Clubs or Associations: bylaws or charter and a resolution of the officers to open the account.
Operating Authority: Essentially, documents that show who is authorized to transact on behalf of the company. We often have you sign a Banking Resolution during account opening (which states that the company is authorized to open the account and lists the authorized signers). For LLCs and Corporations, if you have an official resolution from a board or members, bring that; if not, our forms will suffice.
If you’re applying for credit or loans, there may be additional info like recent financial statements, tax returns, or a business plan, but for deposit accounts those aren’t necessary.

Don’t let this list intimidate you – if you’re unsure about any of the items, just contact us and we’ll clarify what you need. We also have a handy primer on our website’s application page listing the basic documents. For many startups, the hardest part is just getting the EIN letter and formation docs together; if you have those, you’re 90% done with paperwork.

Easy Account-Opening Process: We strive to make opening an account quick and convenient. Here’s what you can expect:

In-Branch Option: You can always come into one of our offices (Osgood, Fort Loramie, Chickasaw, Russia etc.) to open the account in person. We recommend calling ahead to set an appointment with an account specialist so we can dedicate time to you (and ensure you know what to bring). In-branch, we’ll review your documents, have you fill out and sign the new account forms, and that’s it. Often you’ll walk out with your account number and temporary checks the same day, and your debit cards will be ordered on the spot.
Online/Remote Start: Prefer to start the process from your office? We’ve got you covered. On our website, we have an “Open a Business Account” section and even an online application form for business checking. You can fill in key details online to get the ball rolling. Once submitted, a business banking expert will reach out (usually same or next business day) to schedule a quick follow-up appointment. We often will do that follow-up by phone or video call. At that point, we’ll guide you on how to securely send any required documents (we have secure email or upload portals), and we can even send the signature forms via secure e-signature. In many cases, you might not have to physically come in at all – we’ve opened accounts entirely remotely for clients who are busy or located further away. We’ll then mail your debit card and starter kit, or you can pop in just to pick them up at your convenience.
Appointment Scheduling: If you want to sit down and talk through your needs, feel free to schedule a consultation meeting with us. We can combine this with the account opening. For example, maybe you want to discuss which account type is best, or you’re looking at loans too – we can make it a holistic conversation. These consultations can be scheduled via our website (there’s a “Schedule a Call/Meeting” tool), or simply by calling us. We can meet at one of our branches, or if it’s more convenient, one of our bankers can meet you at your office in Greenville (we often do this for busy owners – it saves you a trip).
Quick Turnaround: Once we have everything needed, opening the account is a same-day process. If you walk in with documents, plan for maybe 30-45 minutes for us to get everything set up and signed. If done remotely, once signatures are returned, we usually activate the account immediately. We’ll also help you enroll in online banking on the spot so you walk out (or log off) with full access.
Switching Over: If you are moving from another bank, we can provide a switch kit that includes a checklist for moving any direct deposits or automatic payments to your new Osgood account. We try to make the transition seamless – for example, we can offer to have both accounts (old and new) temporarily available while things change over, to avoid any interruption. Our staff will gladly assist in re-routing ACH payments or merchant services if you need guidance. We understand switching banks can seem daunting, but dozens of Greenville businesses have done it with us and found it easier than expected, thanks to our help.

Contact Details & Locations: To open an account or learn more, you can contact us in whichever way is easiest for you:

Phone: Call our business banking team at (888) 607-7640 (toll-free). We’ll direct you to the right person and get things started.
Website: Visit our website and check out the Business Banking section for the “Open an Account” link. You can read about account options and even begin an application as mentioned.
Email: If you have a specific question, you could email us through the contact form on our site or directly to a representative (once you’ve connected with one, they’ll often give you their email).
Branches: Feel free to visit any branch. Our Osgood Branch (Operations Center) is at 275 W. Main Street, Osgood – that’s our main hub. The Fort Loramie Branch (500 E. Park St.) is also fully equipped for business services. Chickasaw Branch (79 W. Franklin St.) likewise. If you’re in the northern part of the county or beyond, we have Indian Lake (Lakeview) and our new Russia branch as well. You can find a full list of addresses and hours on our Locations page. Whichever is most convenient, stop in and tell them you want to open a business account – they’ll take great care of you.
Request a Meeting: We have a “Schedule a Consultation” button on many of our business pages and a Schedule A Call page. Use these to request an appointment – just fill out your contact info and preferred time, and a banker will confirm with you.

When you come or connect to open an account, mention you heard about us through this Greenville business banking article – not only will that flatter our marketing team, but we might have a special welcome perk for you (for instance, we sometimes waive the first order of checks or throw in a promotional gift for new business customers who were referred through our content).

Finally, welcome aboard! Once your account is open, we’ll ensure you’re set up with online banking, debit cards, and anything else you need. We’ll introduce you to the team who will be servicing your business so you know faces/names. We truly appreciate the opportunity to work with you, and we’re confident you’ll quickly see why choosing Osgood Bank was a great move.

(Quick tip: To speed up your account opening, you can fax or securely email us your documents ahead of your meeting so we can pre-review them. Also, if any of the required documents are missing or pending (like maybe you applied for your EIN but haven’t gotten the letter yet), still come talk to us – often we can find solutions or open a provisional account in the meantime.)

Frequently Asked Questions

We know you might have a few more questions about Osgood Bank’s services and how we operate, especially if you’re considering us for the first time. Here are answers to some frequently asked questions that Greenville business owners have:

Q: Is Osgood Bank FDIC-insured? What about deposit safety for amounts over $250,000?
A: Yes – Osgood Bank is a member of the FDIC, so all standard deposits are insured up to $250,000 per depositor, per ownership category. This means your money is safe with us, just as it would be at any federally insured bank. For businesses that maintain balances above FDIC limits, we offer options to extend coverage. One key service is ICS (Insured Cash Sweep), which is essentially a sweep network that spreads your large deposits across multiple banks behind the scenes, so that every $250k chunk is FDIC-insured. It’s an effortless way to get multi-million dollar FDIC coverage while still banking through Osgood Bank (and you see one consolidated statement). We can also advise on using CDARS (Certificate of Deposit Account Registry Service) for large time-deposit balances. In short, whether you have $50 or $5,000,000, we have systems to ensure your funds are protected. Security of your deposits is our top priority.

Q: I’m a new small business owner – do you work with startups and very small companies, or only established businesses?
A: We love working with startups and small enterprises! Osgood Bank is not just for big companies; in fact, many of our business customers are sole proprietors, family businesses, or startups in their first couple of years. We have basic accounts like the Edge Checking specifically with small outfits in mind. We also participate in SBA lending programs, which are often helpful for newer businesses that need financing. When you’re just starting, you might not have huge balances or a long financial history – we get that. We won’t turn you away like some larger banks might. Instead, we’ll sit down with you, understand your plan, and see how we can help (be it a simple checking account, a credit card, or a small loan or line of credit). Also, through our community partners, we can connect you with local resources like business mentoring (think Darke County CIC or Small Business Development Centers). Bottom line: no business is “too small” for Osgood Bank. We measure success by potential and relationship, not just current size.

Q: Does Osgood Bank offer SBA loans or other government-backed loan programs?
A: Yes, we do. Osgood Bank is experienced in SBA (Small Business Administration) lending. We regularly offer SBA 7(a) loans and SBA 504 loans in partnership with certified development companies. An SBA loan can be a great option if you have a strong business plan but need a lower down payment or longer repayment term than a conventional loan provides. The SBA partially guarantees the loan, which reduces risk for the bank and enables us to lend when maybe the collateral or short-term financial history wouldn’t meet normal policy. For example, if you’re buying a business or need working capital as a newer business, an SBA 7(a) might be ideal. We handle the paperwork and process in-house (you won’t have to figure it out alone), and as a community bank, we often get these loans done faster than some big banks that might not prioritize smaller SBA deals. We also work with the Farm Service Agency (FSA) for agricultural loans (as noted in our Ag FAQ: while 100% financing is rare, we can partner with FSA to reach higher loan-to-value for farm purchases). Additionally, during special programs (like the COVID-era PPP loans), we are active participants. So yes, if there’s a beneficial government-backed program out there, chances are we’re involved and can offer it to our customers.

Q: Where exactly is your Greenville office? Do I have to drive out of town for banking?
A: Osgood Bank currently does not have a physical branch inside the city of Greenville. Our nearest full-service branch is the Osgood Branch, about 15 miles away (roughly a 20-minute drive from downtown Greenville). We absolutely understand that some customers prefer an in-town location – and we are continually evaluating opportunities to expand our presence. In the meantime, we ensure that Greenville customers can bank conveniently through multiple channels:

Our ATM network and debit cards give you access to cash.
With our robust online and mobile banking, you can do almost everything remotely – check deposits, transfers, inquiries, loan payments – without visiting a branch.
Our bankers often travel to Greenville to meet clients. Need to discuss a loan? We can come to your business. Need to sign documents? We can likely send a representative or use secure e-signature so you don’t need to come to us.
For things like large cash deposits or withdrawals, our Osgood drive-thru is not far, and our team can sometimes make accommodations (in special cases, armored courier services or meeting halfway for exchange, etc., depending on the need).

So, while you might have to drive a bit to physically visit our branch, many Greenville business customers find they rarely need to because of the above conveniences. For now, rest assured that distance isn’t a barrier to getting hometown service; we’ll make banking as easy as if we were right next door.

Q: How do I get help if I have an issue or question after banking hours?
A: We offer several support avenues for after-hours needs:

24/7 Telephone Support for Cards: If you have an urgent issue like a lost or stolen debit card or suspect fraud on your card, we have a 24/7 hotline (printed on the back of your card) that you can call to immediately block the card and report the issue. This service is always available because we know problems don’t only happen 9-5.
Online Banking Self-Service: Many things can be done on your own at any time – for example, you can use the mobile app to turn your debit card off or on (a handy security feature if you misplace it), or reset your online banking password through the “Forgot Password” link, etc.
Secure Messaging: You can send us a secure message through online banking at any hour. If it’s after hours, we will respond first thing the next business day. If it’s something our team can solve in the moment and someone is monitoring, you might even get a reply during off hours – we often check in.
Email and Voicemail: You’re welcome to email your banker or leave a voicemail at their extension. Our team members frequently monitor their messages even outside official hours (especially our commercial bankers – they’re known to reply on evenings to pressing questions). Certainly by the next morning, you’ll get a response.
Emergency Contacts: For our business clients, we do provide emergency contact numbers for certain key personnel if something truly critical happens off-hours (like a major security concern or system outage affecting your ability to operate). Thankfully such instances are very rare, but know that we won’t leave you hanging.

So, while our branches might close in the evening, Osgood Bank’s support doesn’t shut down. We leverage technology and a dedicated team to ensure you can get help when you need it. Of course, for routine questions, you might get a response the next business morning – but for urgent issues, there’s always a path to resolution. We aim to give you peace of mind that no matter when a question arises, you’re not alone in solving it.

Q: Can Osgood Bank work with my accounting/bookkeeping software or other financial apps?
A: Yes, we do our best to integrate and play well with others. As mentioned earlier, our online banking allows exports to QuickBooks, Quicken, CSV, etc.. We also support direct QuickBooks Web Connect and are in the process of enabling QuickBooks Online integration (so you can download transactions seamlessly into QBO). On the consumer side, if you or your employees use budgeting apps like Mint, those should be able to connect to Osgood Bank accounts as well (we’re part of the major aggregation networks). If there’s a specific integration you need, let us know – chances are, we either already support it or can find a workaround. We understand that businesses rely on a tech stack of different tools, and a bank today has to fit into that ecosystem smoothly. We put effort into ensuring our systems are compatible with modern business software so you don’t have to manually enter data or deal with frustrating mismatches.

Got more questions? We’re here to answer them! Feel free to reach out through our website or give us a call. We know banking can be complex, but we want to make it as transparent and straightforward as possible for you. No question is too small – if it matters to you, it matters to us.

Sources & Community Recognition

Osgood Bank’s commitment to excellence has not gone unnoticed. We’re proud of the reputation we’ve built and the recognition we’ve garnered both in the industry and our community. Below are some notable sources of accolades, awards, and affiliations that underscore why you can trust Osgood Bank as a top-tier banking partner:

Industry Leadership Award: Our President & CEO, Tony Kaiser, received the GSBC Tim Koch Award for Excellence in Banking in 2022. This national award from the Graduate School of Banking at Colorado recognizes one banking leader annually for outstanding leadership, innovation, and community banking success. Tony’s leadership in tripling our bank’s assets and expanding our services (while maintaining a community focus) was highlighted in the award. It also noted his role in philanthropic initiatives like establishing the Osgood Foundation. This award is a testament to the forward-thinking yet community-rooted direction of our bank.
Local Business & Community Awards: We’ve been humbled to receive various local accolades. For example, we were named “Business of the Year” by a regional chamber in the recent past for our community contributions and growth. Our branch in Indian Lake won a local readers’ choice award for favorite bank in Logan County. We’ve also earned recognition from the Darke County Chamber for community service. These local awards mean a lot because they come from our neighbors and customers. They show that our efforts to be not just a bank, but a community leader, are appreciated and making an impact.
Community Organization Memberships: Osgood Bank is an active member of numerous local organizations. We are members of the Darke County Chamber of Commerce, the Sidney-Shelby County Chamber, and other area business groups. We’re also members of industry groups like the Community Bankers Association. Through these memberships, we stay engaged with local business initiatives and advocate for our community’s economic development. If you attend chamber events in Greenville, you’ll likely see our team there networking and supporting the business community – we’re not a passive member; we try to contribute ideas and sponsorships to help our local economy thrive.
Press Mentions: Osgood Bank has been featured in press articles for positive reasons – such as our expansion moves and community projects. For instance, regional business journals covered our acquisition of the equipment finance company and how it positions us uniquely in the market. Local newspapers reported on our branch opening in Russia, Ohio, highlighting our role in restoring local banking services. During the early COVID-19 response, media noted how we stepped up to deliver PPP loans rapidly to small businesses when some big banks faltered. All this media coverage paints a picture of a bank that’s dynamic, growing, and community-oriented. We maintain a “News & Stories” section on our website where some of these press releases and stories are posted for transparency. Feel free to browse those to see what we’ve been up to.
Affiliations with Community Initiatives: Osgood Bank, via our Osgood Foundation, is affiliated with initiatives like local scholarship funds (e.g., we co-sponsor some county high school scholarships), and we’re a known name at charity auctions and fundraisers. These affiliations often result in public acknowledgment – not that we seek the spotlight, but it’s a nice way for the community to say thank you. For example, at the annual Darke County Fair, our bank was thanked for sponsoring youth livestock shows (a small thing maybe, but it matters to the kids and families involved).

In summary, multiple reputable sources – from national financial publications to local community organizations – recognize Osgood Bank as a top-tier bank that excels in service, performance, and community involvement. This combination of industry and community recognition is rare and speaks to our dual commitment: being an excellent bank and a responsible corporate citizen.

When you choose Osgood Bank, you’re aligning with a highly respected institution. We’re proud of these accolades, but we don’t rest on them – they simply motivate us to keep improving and living up to the trust placed in us. We invite you to join the many satisfied customers who have made Osgood Bank their financial home, and to see firsthand the award-winning difference we can make for your business.

Call to Action

If you’ve made it this far, you’re clearly serious about finding the best banking partner for your business in Greenville, Ohio. We’ve shown you how Osgood Bank can help your business thrive with our comprehensive services, local expertise, and genuine commitment to your success. Now, the next step is yours – and we’re here to make it as easy as possible to begin a great banking relationship.

Ready to experience the Osgood Bank difference? Here’s how to get started:

Contact Us Today: Reach out to Osgood Bank’s Business Banking Team to discuss your needs or ask any remaining questions. You can call us at (888) 607-7640 to be connected with a business banking specialist, or if you prefer, stop by our nearest branch (the Osgood or Fort Loramie branch) to say hello in person. Even if you just walk in with an inquiry, let them know you read about our Greenville business banking solutions – our staff will be thrilled and will connect you to the right folks. We promise a friendly, no-pressure conversation.
Schedule a Free Consultation: Not sure what you need or want a tailored recommendation? Schedule a one-on-one consultation with one of our business bankers. We’ll review your current banking situation, listen to your goals or pain points, and then suggest solutions – think of it like a financial check-up for your business. This can be done in-branch, at your office, or via video call, whichever you prefer. To schedule, you can use the “Schedule a Consultation” link on our website or simply request it when you call. Consultations are free, and you’re not obligated to open anything – it’s part of how we show value up front.
Visit Our Website: Explore more details on our site at osgoodbank.com. We have dedicated pages for Business Checking, Business Loans, Cash Management, Merchant Services, and more. You can also read customer stories or news updates to get an even better feel for who we are. When you’re ready, you can even open some accounts online or fill out an inquiry form and we’ll reach out promptly.
Stop in and Meet Us: Sometimes the best way to decide is to meet face-to-face. We invite you to visit any Osgood Bank branch and introduce yourself. Have a cup of coffee on us and chat about your business. We’d be happy to give you a quick tour of our office, introduce you to the team, and answer questions. If you’re in Greenville and want to meet locally, let us know – one of our bankers can arrange to meet you at a convenient location in town (perhaps over coffee at a local cafe that we likely bank, too!). We’re very confident that once you meet our team and see how we operate, you’ll feel at home.
Switching Made Simple: If you’re currently with another bank and considering a move, we’ll make the transition smooth. Our team can handle much of the heavy lifting: helping transfer automatic payments, coordinating the closure of old accounts at the right time, etc. Don’t let the inertia of “banking where you always have” keep you from a better experience. We’ve successfully transitioned many businesses from their old banks to Osgood – often they comment, “I wish I had done this sooner.” Let us show you how painless it can be.
Ask About Current Promotions: When you contact us, be sure to ask if we have any current promotions for new business accounts or loans. We occasionally run special offers especially for businesses in our new markets. If there’s something available, we’d love for you to take advantage of it as a welcome gift.

We’re here to help your Greenville business do well. Whether you need a simple checking account, a complex loan package, or just a bank that actually picks up the phone when you call – Osgood Bank is ready to be your bank. We’re confident that once you experience our brand of banking, you’ll wonder why you didn’t make the switch sooner.

Take the next step: get in touch with us today. Let’s build a banking partnership that helps your business grow and prosper, all while contributing to the community we both care about. At Osgood Bank, your goals are our goals – and we’re excited to show you how we can help you achieve them.

Contact Osgood Bank for Business Banking in Greenville, OH:

Phone: (888) 607-7640
Website: osgoodbank.com (Find our Business Banking section for more info and contact forms)
Visit: See our Locations page for addresses and hours.
Our Osgood (HQ) branch is closest to Greenville, and we’d love to see you there!

We look forward to working with you – let’s do well and be good, together.

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