Two people having a meal

Over the last ten years, there has been a substantial growth in online banks. Are you familiar with the type?

Their style of business avoids operating physical branches and instead, focuses on being entirely digital. And while these banks can be great for some, it's important to understand their true cost.

Understanding Your Individual Needs

Your financial situation is entirely unique to you. Your goals, needs, and aspirations are individual to you. And that’s why you manage your finances in a given way.

So, don't you think your bank should understand this, too?

One of the greatest expenses of using an online bank is the loss of a personalized approach to your banking. They are inherently impersonal-- their business model restricts them from knowing their customers on a personal level.

Personalized banking helps you reach your unique goals. It's the style of banking where branch staff not only know you, but also know your goals and can support you with individual solutions.

Whether that be through flexible savings solutions or tailored loan packages, banks who understand your goals are the ones who can help you reach them.

Timely Support When You Need It Most

Sometimes, unforeseen circumstances can arise and catch us off guard. Whether small or large, it's important that you get the support you need when you need it most.

If you're familiar with calling a company in a position of urgency, you may have experienced the painful transfer game: transferred back and forth between departments like a tennis ball, except the serves and returns are painfully slow. And you never actually get anywhere.

It can be frustrating. And while there can be a comical side to this experience, when you're in a position of dire urgency, it's no laughing matter. Unfortunately, online banks don't have the physical presence to avoid this. With an online bank, you're forced to go through this painful process when you're most vulnerable.

Online banks don't have the within-walking-distance branches-- the ones operated by the local community. The ones supporting your local community.

What if you could have the best of both worlds?

Online banks are great when it comes to digital convenience. Their ability to access and manage your funds wherever you can access the internet is phenomenal.

On the other hand, local banks foster the individuality and prompt support which we all benefit from.

But what if your bank had the best of both worlds? A hearty local bank with the convenience of a digital presence?

Luckily, Owen County State Bank can offer you that! Our bank has been present in our community for over 90 years, putting our citizens first. Yet, we also have state-of-the-art online banking solutions for our clients.

If you're looking for a bank with the convenience of an online lender, yet the heart of a local, then Owen County State Bank is the bank for you.