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Business Checking

Business Checking

Designed for businesses with relatively low transaction volume.

  • No minimum balance requirement
  • No monthly service charge
  • First 150 transaction items free of charge
    • Each item over 150 is $.30 per transaction item
  • Online & Mobile Banking
  • Business Debit Card
  • E-Statements

Business Analysis Checking

Designed for businesses with high balances and transaction volume.

  • Receive an earnings credit to offset monthly analysis transaction fees
  • Online & Mobile Banking
  • Business Debit Card
  • E-Statements

Business Interest Checking

Designed for businesses that maintain higher balances with lower transaction volumes.

  • Interest paid on tiered balances over $5,000
  • No monthly service charge when you maintain an average daily balance of $5,000
    • $15 if below
  • First 150 transaction items free of charge
    • Each item over 150 $.20 per transaction item
  • Online & Mobile Banking
  • Business Debit Card
  • E-Statements

Notice to Commercial Account Customers

In accordance with the requirements of the Unlawful Internet Gambling Enforcement Act of 2006 and Regulation GG, this notification is to inform you that restricted transactions are prohibited from being processed through your account or relationship with our institution. Restricted transactions are transactions in which a person or business accepts credit, funds, instruments or other proceeds from another person in connection with unlawful Internet gambling.

Additional Products and Services available for Business Accounts

  • Night Depository
  • BankLine – 24 hour banking
  • Safe Deposit Boxes
  • Merchant Services
    • Accept all forms of card payments
    • Point of Sale
    • Mobile Solutions
    • Gift Cards
    • Check acceptance and more
  • Corporate Cash Management (CCM) To see a complete listing of CCM Services and associated fees, download our Choice for Business Product Guide.
    • 24/17 Online access
    • Real-time balance inquiry
    • Transaction history
    • Initiate transfers and loan payments (between OCSB accounts)
      • Real-time, or Scheduled in advance
      • Multiple CCM online users with customized access to specific accounts and/or functions
  • QuickBooks WebConnect
  • Free e-Statements
  • ACH Origination
  • BankLine – 24-hours banking
  • Overdraft Protection from other OCSB accounts
  • Business Lines of Credit