Choose the Right Account For You
Whether you’re spending on daily essentials, receiving paychecks, or managing bills, your checking account should support your life—not complicate it. We offer several personal checking options—each with distinct benefits so you can match the account to your habits, not the other way around.
Be Good Checking |
Do Well Checking |
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Who is the account ideal for |
Be Good CheckingIf you're looking for an affordable checking account with ID TheftSmart Credit Restoration benefits, Be Good Checking is for you. |
Do Well CheckingIf you maintain higher balances and wish to earn interest, have access to a dedicated banker, and receive enhanced ID theft protection and credit monitoring services, Do Well Checking is for you. |
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Opening Balance |
Be Good Checking$100 |
Do Well Checking$500 |
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Monthly Service Charge |
Be Good Checking$4 |
Do Well Checking$10 |
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Interest Bearing |
Be Good CheckingNo |
Do Well CheckingYes |
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How to Reduce or Eliminate The Monthly Service Fee |
Be Good CheckingTwo or more "Be Good Buy Downs" reduce your monthly service charge to zero. Earn a $2 "Be Good Buy Down" (never to exceed $4) during each statement cycle when you:
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Do Well CheckingMaintain a $15,000 or more combined average collected balances in your Osgood Bank Checking, Savings, Money Market, CD, or Retirement accounts. |
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Additional Benefits |
Be Good CheckingBasic Identity Theft Protection included at no additional cost. |
Do Well CheckingEnhanced Identity Theft Protection and Credit Monitoring included PLUS:
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What Makes Our Checking Accounts Stand Out
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Identity Theft Protection – Safeguard your identity, monitor your risks, and fight fraud.
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Secure Online & Mobile Banking – Control your spending and manage your money anytime, anywhere.
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Card Controls – Enjoy peace of mind with debit card control from your mobile device.
For Veterans and Students
Thank You For Your Service
We appreciate your sacrifices.
Focus On Your Future
Bring proof of enrollment and we will waive your Be Good Checking Account monthly maintenance fee until you're 21.
Frequently Asked Questions
To open an account with Osgood Bank you will be asked to provide the Customer Service Representative with:
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A valid photo ID
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Proof of Social Security Number
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Proof of address if address is different from that shown on ID (utility bill or like document)
You will be required to provide basic personal information such as phone number, email address, and challenge questions for future verification.
All accounts require an initial deposit at account opening. You may transfer money from another Osgood Bank account or fund your account with a cash or check. Funding with a check from another financial institution may require a temporary hold.
If you wish to open an account with multiple owners or signers, we will require the above information for each individual. If you wish to name beneficiaries for your account, we will require their legal name, social security number, date of birth, and phone number.
All applicants will be verified through Qualifile, a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act.
We do.
In addition to waiving the monthly maintenance fee on the Be Good Checking account for Veterans and students, we also offer a waiver for customers age 55 and older.
If you recognize unauthorized charges during business hours, please call us at 419.582.2681.
For after hours support please call:
Osgood Bank Debit Card: 800.500.1044
Osgood Bank Credit Card: 800.367.7576