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Business Hours

Main Street Lobby

M-F 8:30 a.m.—5:00 p.m.

Sat  8:00 a.m.—Noon

Main Street Drive-thru

M-F 7:00 a.m.—7:00 p.m.

Sat 8:00 a.m.—1:00 p.m.

101 S Alpine Parkway Lobby and Drive-thru

M-F 8:30 a.m.—5:00 p.m.

Closed Saturdays

As of August 1, 2014

Our Main Branch will be temporarily closed.  Our Alpine Parkway Branch will be open as below:

101 S Alpine Parkway, Oregon WI 53575

Drive - Thru

M-F 7:00 a.m. to 7:00 p.m.

Saturday 8:00 a.m. to 1:00 p.m.

Lobby

M-F 8:30 a.m. to 5:00 p.m.

Saturday 8:00 a.m. to 12:00 p.m.

 

Phone:  608-835-3168

Fax:  608-835-7106

 

Deposit Accounts

 

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). And, we have some of the lowest fees in the area!  Click here to see our full fee schedule. 

SERVICE CHARGE FREE PERSONAL CHECKING ACCOUNT

  • No monthly service charges
  • No activity charges
  • No charge for ATM transactions at other terminals (other banks/merchants may assess surcharges)
  • 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 on this account.

 

SENIOR 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 on this account

 

SERVICE CHARGE FREE BUSINESS CHECKING

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

 

MONEY MARKET DEPOSIT ACCOUNT

 

  • Safe, secure investment with access to funds
  • The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on your account daily.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks).
  • Interest is compounded monthly and credited to the account on the last day of the monthly statement cycle.
  • We use the daily balance method to calculate interest on the account.  This method applies a daily periodic rate to the principal in the account each day.
  • The interest rate is a tiered rate.  The interest rate received will be the given rate for the tier in which the account balance falls on that day.  There are four tiers:
      • $0 - $2,499     
      • $2,500 - $9,999
      • $10,000 - $49,999
      • $50,000 and over

 

  • No more than 6 withdrawals from the account are permitted monthly.  This includes preauthorized, automatic, and telephone transfers.  No more than 3 external withdrawals may be payments by check to third parties.
  • If the daily balance drops below $2,500.00 any day of the month:
      • Monthly maintenance fee ………. $6.00
      • Per check charge ………. $1.00
  • If the account is closed before interest is credited, you will receive all accrued interest to that date.
  • $10 fee for closing Money Market Deposit Account within 3 months of opening.

 

MONEY MARKET PLUS ACCOUNT

  • No monthly service charge or activity charge.
  • The interest rate and annual percentage yield may change.  At our discretion, we may change the interest rate on the account daily.
  • Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks).
  • Interest is compounded monthly and credited to the account on the last day of the monthly statement cycle.
  • We use the daily balance method to calculate interest on your account.  This method applies a daily periodic rate to the principal in the account each day.
  • The interest rate is a tiered rate.  The interest rate received will be the given rate for the tier in which the account balance falls on that day.  There are four tiers:

 

      • $0 - $2,499     
      • $2,500 - $9,999
      • $10,000 - $49,999
      • $50,000 and over

 

  • No interest is earned if the balance falls below $10,000.
  • No more than 6 withdrawals from the account are permitted monthly.  This includes preauthorized, automatic, and telephone transfers.  No more than 3 external withdrawals may be payments by check to third parties.
  • If the account is closed before interest is credited, you will receive all accrued interest to that date.
  • $10 fee for closing Money Market Plus Account within 3 months of opening.

 

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, please call or stop in and  see a personal banker for 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 more information.

 

The USA PATRIOT Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account or changes an existing account.