We offer a variety of deposit accounts to serve your needs.  All checking accounts require a $200 minimum opening deposit and include free internet banking, free bill pay, free 24-hour telephone banking, and a free debit card (upon approval). 

TOTALLY FREE PERSONAL CHECKING ACCOUNT:

• No monthly service charges
• No activity charges
• Check images are not included with statements

PERSONAL CHECKING ACCOUNT:

• No monthly service charges
• No activity charges
• Check images are included with statements for a $2.00 fee

NOW ACCOUNT:

• Interest bearing checking account
• No monthly service charges or activity charges unless the daily balance falls below $1000 any day of the month.  If the daily balance minimum is not met:
  • Monthly maintenance fee ………. $6.00
  • Per check or check card charge ………. $0.30
• Monthly charges can be avoided by maintaining a $2000 minimum balance in a Certificate of Deposit for the entire monthly statement cycle
• Please call or stop in and see a Personal Banker for complete details and disclosures on this account

SENIOR CITIZEN NOW ACCOUNT:

• Offered to customers 60 years or better
• No monthly service charge, no minimum balances required
• No activity charges
• Check images included with statements for free
• Please call or stop in and see a Personal Banker for complete details and disclosures on this account

FREE BUSINESS CHECKING

• No monthly service charges
• No activity Charges
• Check images are included with statements for no extra charge.

STATEMENT SAVINGS ACCOUNT

• Minimum deposit to open is $50
• No Monthly maintenance fee
• Three free withdrawals per month, $1.00 charge per transaction for withdrawals in excess of three.
• Interest is compounded daily and credited to the account quarterly.  If the account is closed before the interest is credited, you will receive all accrued interest to that date.

AUTOMATIC TRANSFER SAVINGS ACCOUNT

• Overdraft protection savings account set up with a checking account at OCB&T.
• Must maintain a minimum balance of $200
• In the event of an overdraft in the checking account, an automatic transfer will be made from this account in increments of $20.00.  There is a $2.00 fee for the overdraft transfer.

OTHER SAVINGS ACCOUNTS

• We also offer Christmas Club, Property Tax Savings, Health Savings Accounts (HSA), and Pay Yourself First savings accounts, as well as a variety of Money Market Accounts.  Please call or stop in and see a personal banker for complete disclosures and more information on our savings accounts.

CERTIFICATES OF DEPOSIT

• Minimum deposit to open a CD of one year or greater term is $500.  IRA accounts require a minimum opening deposit of $100.
• A penalty may be imposed for early withdrawal on CDs.
• Additions are allowed on CDs with a term of one year or less.  See account rules for restrictions.
• Interest is compounded semi-annually and will be credited to the account semi-annually.  Depositors may be permitted to receive an interest check or transfer interest funds into an account at Oregon Community Bank and Trust more frequently than semi-annually.
• We offer a special “Start Small CD” with a six month term that requires only $25 to open.  One free withdrawal is permitted per six month period.
• Please call or stop in and see a personal banker for complete disclosures and more information.