Business Checking
Flexible checking accounts built to support your daily operations and simplify cash flow management.
PositiveChange Business Accounts
Your deposits matter. They allow us to empower changemakers who are working toward meaningful social justice outcomes and environmental sustainability. Your deposits can create positive change in our communities..
Small Business Checking
- Minimum opening balance: $100
- Service charge: $0
- 150 free transactions/month; then $0.25/each
- eStatements required
Perfect account for low-volume businesses.
Business Checking
- Minimum opening balance: $100
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Service charge: $15/month, waived if:
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$3,000/month average balance for this account
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$10,000/month average balance combined across accounts under the same business tax owner
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- 250 free transactions/month; then $0.25/each
Great for established businesses with low- to medium-volume.
Certificate of Deposit (CD) Accounts
- Minimum opening balance: $250
- Service charge: $0
- Terms of 3 to 60 months; early withdrawal penalty may apply.
- Paid interest may be withdrawn without penalty or rolled over at maturity into the principal balance. Assessment of penalties can reduce principal and earnings.
- Interest: Compounded daily, credited monthly by adding back to the CD.
Earn interest on your deposit for a fixed time period.
Individual Retirement Accounts (IRAs)
- Minimum opening balance: $250
- Service charge: N/A
- Terms of 3 to 60 months; early withdrawal penalty may apply
- Bank and IRS penalties may be imposed for early withdrawal. Assessment of penalties can reduce principal and earnings.
- Interest: Compounded daily. Paid quarterly.
A tax-advantaged long-term savings account to help you save for retirement.
Business Interest Checking
- Minimum opening balance: $100
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Service charge: $17/month, waived if:
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$5,000/month average balance for this account
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$15,000/month average balance combined across accounts under the same business tax owner
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An interest-bearing account for businesses.
Changemaker Business Interest Checking
- Minimum opening balance: $100
- Service charge: $0
- eStatements required
An interest-bearing account for qualified changemakers, such as nonprofits, certified B Corps, CDFIs, and more.
Analyzed Business Checking
- Minimum opening balance: $100
- Service charge: $15/month
- Schedule of Fees and Services
Ideal for high-activity with enhanced services to accommodate your growing organization.
*$2.50 transaction fee for withdrawals at foreign ATMs (other banks may charge a fee). Any ATM not in the Oxleigh State Bank ATM network is a non-network ATM.
**Additional fees may apply. Please see Schedule of Fees and Charges.
The following account services are available:**
Key Features:
- ✔ Debit Card*
- ✔ eStatements
- ✔ Online and Mobile Banking
- ✔ Mobile and Merchant Check Deposit
- ✔ Merchant Card Services
- ✔ Wholesale Lockbox
- ✔ Cash Services
- ✔ Bill Pay
- ✔ Fraud Tools: ACH Filters and Positive Pay
- ✔ ACH and Wires
- ✔ Sweeps
Ready to Bank with Us?
Let's discuss how we can support your business growth and financial success.