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Biz-E-Deposit
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Checking AccountsWhether you are a busy executive, a retiree, or a college student, OBA bank has the checking account that is perfect for you. We have designed our checking accounts to offer flexibility, convenience and a wide array of features that will meet your needs, the choice is yours. And with our OBA bankonline services you'll have instant on-line access to your accounts.
Select an account type below for detailed information and benefits. OBA's Checking Accounts Features
- Free Internet Banking (OBA bankonline)
- Internet Bill Payer Service (OBA bankonline)
- MasterCard™ Debit Card / ATM access
- Service to report your MasterCard Debit Card lost or stolen. You can call 24 hours a day/seven days a week at 1-800-528-2273
- Free ATM Use on the STARSM Network (ATM Locator)
Other institutions may charge a transaction fee.
- Access to Allpoint ATM National Network - 37,000 surcharge-free ATM's Nationwide.
- Free Basic style checks (1 box per order free/4 maximum per year)
- Telephone Banking
- Unlimited check writing privileges
- Overdraft protection available
OBA Checking AccountsPOWER PACKAGE CHECKING:
Requires a minimum combined deposit/loan relationship of $20,000. Maximum loan balance counted toward the minimum is $5,000.
OBA's new Power Package offers two great options that will Power-Up your interest and a list of benefits that seem too good to be true...but they are!
No Stop Payment Fees
No Wire Fees (3 per month)
Compact Disc of Paid Checks (1 per year by request)
Free Checks (4 Basic style checks /2 Custom style checks per year)
Option #1 - Creates a sweep relationship between a non interest bearing checking account(A) and a high interest bearing account(B) with no withdrawal limitations and no need for multiple transfers to cover checks. All deposits and checks are transacted on account A. Sweeps end of business day balances over $3000 from account A to account B for higher interest earning potential. If end of business day balance is under $3,000 then funds are swept from account B to account A to bring target balance up to $3,000. Account A has No Minimum Balance Requirement, No Fees, and No Interest.
Account B Requires a $10,000 Minimum Balance with an $18 Fee and No Interest if the balance falls below $10,000.
Option #2 - Creates a relationship between a non interest bearing checking account(A) and a high interest bearing Money Market account(B) without the sweep feature. Requires manual transfers between accounts to cover checks. Account A has a $3,000 minimum balance requirement and is non interest bearing. Fee assessed if balance falls below $3,000. Account B Requires a $10,000 minimum balance and is subject to transaction limitations. A service charge will be assessed if the daily ledger balance falls below $10,000 at anytime.
Interest Checking:
$1,000 is all you need to open our Interest Checking account. You get all the great benefits listed above, unlimited check writing privileges along with a competitive interest rate on balances over $1,000.
Free Checking:
If it's the basics you want in a checking account, then our Free Checking account is for you. Enjoy all the great benefits listed above and unlimited check writing privileges without the hassle of keeping a minimum balance to avoid a service charge. $100 minimum opening deposit is all it takes.
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