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.
No Monthly Fees
Owners Bank Deposit Accounts
“I DON’T WANT TO PAY EXTRA JUST FOR HAVING CHECKING AND SAVINGS ACCOUNTS”
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” checking Account
- 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
“You Own It” Savings Account
- 4.25% APY4 on balances over $200,000
- 3.75% APY4 on balances between $100,000.01–$200,000
- 3.25% 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
Features That Keep You Closer to Your Money
We offer accounts with time- and money-saving features that keep you connected to your accounts on your terms, including:
- Automated text and email alerts to
- Let you know if your balance is low
- Indicate if a customer payment has been returned
- Provide notification of deposit clearing
- Access to over 55,000 conveniently located, worldwide surcharge-free ATMs through the Allpoint Network2
- Deposit checks right from your phone
- QuickBooks integration or account downloads to import into your accounting system
- FDIC-insured as a division of Liberty Bank
Tap into Better Account Management Tools
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.
The Owners Bank Difference
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
MOST TRADITIONAL BANKS
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
Frequently Asked Questions
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To apply for a business checking or savings account, here is what you will need:
- Your business must be registered to operate in Connecticut, Florida, Georgia, Illinois, Maryland, Massachusetts, Michigan, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Texas or Virginia.
- You must be the business owner and a U.S. resident.
- Legal business name, U.S. address, business EIN or SSN.
- Business documents, if requested, within 5 business days of application.
- Each person added must be authorized by the business, provide their SSN, residential address, unique email address, date of birth and be at least 18 years of age.
- An opening deposit of at least $100 for each account.
Visit Start Application to get started.
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Yes, as an Owners Bank checking/savings account business customer, you have access to over 55,000 conveniently located, worldwide surcharge-free ATMs through Allpoint Network1. You can use your Owners Bank Debit Mastercard® at Allpoint and Liberty Bank ATMs to withdraw cash surcharge-free. For a list/map of ATMs, please visit our ATM locator.
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You can deposit checks right from your mobile device at no extra cost. Simply use the Owners Bank mobile app (available in Google Play store and Apple App store).
Unfortunately, we do not offer cash deposits or check deposits at ATMs at this time.
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If your card is ever lost or stolen, please call the Owners Bank customer service center at 800-728-0292 for immediate assistance.
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If your new card is replacing an expired card, please follow these steps:
- Your PIN will remain the same.
- Activate your replacement card by calling 800-992-3808
- Or make a purchase using your existing PIN
If your new card is for a new account, please follow these steps:
- Activate your new card by calling 800-992-3808
- You will create your own PIN during this process
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First-Time Orders: Please call our Customer Service Center at 1-800-728-0292 or send a secure message within Digital Banking. Our team will assist you with placing your order for business checks.
Check Reorders: Please follow these steps within digital banking to reorder business checks.- Step 1: Login to your Digital Banking account
- Step 2: Go to Account Services > Check Reorder
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No, Owners Bank Business checking and savings accounts are only available to businesses located in the United States.
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Yes, your Owners Bank checking and saving accounts are FDIC-insured through Liberty Bank, Member FDIC. More information is available on our Terms and Conditions page.
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As an Owners Bank business checking and/or savings account customer, you are automatically enrolled to receive eStatements.
If you would like to receive paper statements, you have ability to view and print your eStatements by following these steps:
- Login to your Owners Bank online baking account via Owners Bank
- Hover over Account Services
- Click eStatements
- Select your date range, document type and account
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Yes, Owners Bank offers businesses fast access to business term loans and lines of credit. We also offer a business credit card with a rewards program for everyday purchases. You can learn more about these products here.
Download the Owners Bank Mobile App
Owners Bank Business Loans & Credit
Get the fast access to the capital you need when you need it through our term loans, lines of credit, and credit cards.
Get Started & Apply
All loans and lines subject to credit and underwriting approval.
Rates are effective as of January 2, 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 3.25% APY, daily balances $100,000.01–$200,000.00 earn a 3.75% APY, and daily balances $200,000.01+ earn a 4.25% APY.