It’s your money and you should Own It. And we want you to own more of it. That’s why we offer competitive interest rates and never charge monthly fees on our checking and savings accounts. In fact, you’ll never find hidden fees in any of our deposit accounts.
We are not currently accepting applications for new deposit accounts.
We are not currently accepting applications for new deposit accounts.
We are not currently accepting applications for new deposit accounts.
We are not currently accepting applications for new deposit accounts.
We offer accounts with time- and money-saving features that keep you connected to your accounts on your terms, including:
Just getting started or ready to grow? We make it easy to manage your finances with confidence. A newly formed business? No problem. If your business is registered and active – meaning it’s in good standing with the state and has a valid EIN or SSN – you’re good to go. We currently support businesses in CT, FL, GA, IL, MD, MA, MI, NC, OH, PA, RI, SC, TX or VA.
✓ Business must be registered, active and in good standing with your state
✓ Business name, U.S. address, business EIN or SSN
✓ Owners contact information, address, SSN, DOB, and government id
✓ Applicant must be the business owner or authorized by the business
✓ Opening deposit of at least $25 dollars per account
✓ Business documents may be requested
✓ No minimum time in business required
✓ 18 year of age or older
Owners Bank gives you access to tools that can help you view all your accounts in one place (even those from other banks), manage payments and track expenses, and invoice more efficiently.
Here are just a few of the ways Owners Bank cuts through the BS.
✓ No hidden account fees
✓ Fast, simple and easy mobile app
✓ Quick and easy loan application
✓ Ability to send invoices and accept digital payments
✓ Free tools to manage finances and set up savings goals
✓ Automated text and email alerts
✓ Tools to move money fast
✓ Access to over 55,000 surcharge-free worldwide ATMs through the Allpoint Network2
✓ Actual U.S.-based support people
✓ A bank created by owners, for owners
X Fees listed in the “fine print”
X Outdated banking apps
X Lengthy loan approval process
X No tools provided for small businesses
X Charge you for money management tools
X Snail-mail communication
X Outdated payment technology
X Limited access to local ATM networks
X Automated phone robots
X Does not specialize in small business banking
All loans and lines subject to credit and underwriting approval.
Rates are effective as of February 2, 2026.
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 0.50% APY, and daily balances $100,000.01+ earn a 0.50% 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 2.55% APY, daily balances $100,000.01–$200,000.00 earn a 2.80% APY, and daily balances $200,000.01+ earn a 3.05% APY.
Disclaimer: Links to third-party sites are provided for your convenience. These sites are not within the control of Owners Bank and may not follow the same privacy, security or accessibility standards as Owners Bank. Owners Bank does not warrant any offerings from the third-party providers, nor is Owners Bank responsible for the security, content, or availability of any third-party sites which include sites of Owners Bank’s partners.
