Welcome to Owners Bank, the “everything in one place” Bank That Gets Business Owners
You’ve got a business to run, and Owners Bank is the go-to destination for small businesses. We’ve got the banking and business solutions to keep you moving. Built specifically for business owners like you, we go beyond the basics of checking and savings with high yields and quick loan decisions.
Our tech makes banking and running your business simple. But let’s be real – it’s not all about algorithms and apps. Sometimes you just need a real person to talk to, and we’re here for that too. No endless phone trees, no BS – just real support from real people, when you need it.
Gild Insurance trusts us to bring hardworking business owners like you the best in small business banking. So stay focused on growing your business – we’ll handle the banking. Welcome to Owners Bank.
Accounts To Help You Manage Your Business
“YOU OWN IT” CHECKING
- You own it, you name it whatever you want (e.g., company checking, payroll checking, etc.)
- You’re the quarterback of your company, so we give you a quarter back for every debit card transaction of $25 or more1
- Easily access over 55,000 conveniently located, worldwide surcharge-free ATMs through the Allpoint Network2
- Deposit checks and pay bills at no cost from your mobile device
- No monthly maintenance fee
- Minimum to open $25, no minimum balance requirement thereafter
INTEREST CHECKING SPECIAL
- 2.00% APY3 on balances over $100,000
- 1.50% APY3 on balances between $10,000.01 – $100,000
- 0.50% APY3 on balances between $0.01 – $10,000
- Easily access over 55,000 conveniently located, worldwide surcharge-free ATMs through the Allpoint Network2
- Deposit checks and pay bills at no cost from your mobile device
- No monthly maintenance fee
- Minimum to open $25, no minimum balance requirement thereafter
“YOU OWN IT” SAVINGS
- 3.50% APY4 on balances over $200,000
- 3.05% APY4 on balances between $100,000.01 -$200,000
- 2.90% APY4 on balances between $0.01 – $100,000
- Easily access over 55,000 conveniently located, worldwide surcharge-free ATMs through the Allpoint Network2
- Deposit checks at no cost from your mobile device
- Manage your finances and set up savings goals
- Minimum to open $25, no minimum balance requirement thereafter
HERE’S WHAT YOU’LL NEED TO GET STARTED:
- Your business must be registered to operate in Connecticut, Florida, Georgia, Illinois, Massachusetts, Michigan, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas, and Virginia
- More than 6 months in business (term loan and line of credit only)
- Business must open & maintain an Owners Bank checking account with pre-authorized payments
All loans and lines subject to credit and underwriting approval.
Partner or Referral loans may have a third party referral/partner fee.
Rates are effective as of September 23, 2025
1. “You Own It” Checking rebates $0.25 for each qualified transaction that posts within the statement period. Qualified transactions are debit card purchases of $25 or more. ATM transactions do not qualify. Rebates post on last day of statement period while account is open and are labeled as “Cash Rewards.” May be subject to 1099 reporting. Fees may reduce earnings. $25 minimum to open.
2. Other banks may charge you to use their machine. We do not rebate these ATM surcharges.
3. The Annual Percentage Yields (APY) indicated are as of the effective date and are subject to change without notice. Account is subject to 1099 reporting and fees may reduce earnings. $25 minimum to open. Minimum balance to earn APY is $0.01. Daily balances of $0.01 – $10,000.00 earn a 0.50% APY, daily balances of $10,000.01 – $100,000.00 earn a 1.50% APY, and daily balances $100,000.01+ earn a 2.00% APY.
4. The Annual Percentage Yields (APY) indicated are as of the effective date and are subject to change without notice. May be subject to 1099 reporting. Fees may reduce earnings. $25 minimum to open. Minimum balance to earn APY is $0.01. Daily balances of $0.01 – $100,000.00 earn a 2.90% APY, daily balances $100,000.01 – $200,000.00 earn a 3.05% APY, and daily balances $200,000.01+ earn a 3.50% APY.