“I NEED A REAL PERSON TO TALK TO”

Owners Bank was created specifically to meet the evolving needs of business owners. We want to make banking as easy as possible with products to help save time so our customers can focus on running their business. The big banks do not understand the needs of small business owners like we do.

No, we do not have any branches. Owners Bank is completely digital. All banking products and services are provided by Liberty Bank, Member FDIC. Although we do not have branches, we offer face-to-face Mobile Video Support with our customer service agents once you are logged into your online backing account or mobile app.

You can get in touch with our team through any of the methods listed here:

• Our phone number is 1-800-728-0292
• You can chat with our Customer Service team by clicking the “Let’s Chat” icon on desktop or mobile
• You can email our Customer Service team at [email protected]
• You can fill out our “Contact Us” form
• Once logged into your online banking account or mobile app, you have access to Mobile Video Support which provides you with a face-to-face conversation with agents

From time-to-time, you may receive statements or other documentation with the Liberty Bank name and logo on them. Owners Bank is a division of Liberty Bank and Liberty Bank provides all banking products and services to Owners Bank customers.

Our accounts were created to help business owner’s manage their business. We currently offer:

• “YOU OWN IT” CHECKING – We give you a quarter back for every debit card transaction of $25 or more¹
• INTEREST CHECKING SPECIAL – We offer a 2.28% APY² on balances over $100,000, 2.02% APY² on balances between $10,000.01 – $100,000 and a 0.10% APY² on balances between $0.01 – $10,000
• “YOU OWN IT” SAVINGS – Help your money grow with competitive interest rates of 4.50% APY³ on balances over $200,000, 4.00% APY³ on balances between $100,000.01 – $200,000 and 3.50% APY³ on balances between $0.01 – $100,000

More information is located here: Products

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, Massachusetts, North Carolina, Pennsylvania, Rhode Island, South Carolina or Texas.
• 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 (fivision.com) to get started.

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: Owners Bank Products.

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.

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.

If your card is ever lost or stolen, please call the Owners Bank customer service center at 800-728-0292 for immediate assistance.

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

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

No, Owners Bank Business checking and savings accounts are only available to businesses located in the United States.

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.

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 (alkamitech.com)
• Hover over Account Services
• Click eStatements
• Select your date range, document type and account

If your card is ever lost or stolen, please call the credit card customer service center at 866-611-4912 for immediate assistance.

You can activate your new business credit card by calling 800-631-3197.

Once logged into your account, follow these steps:

• Click “Send and Invoice” on homepage of your account
• Click Business Tools
• Click “New Invoice” button
• Enter customer information and product/service information
• When complete, click “Send Invoice” button and an email will generate to your customer

Once logged into your account, follow these steps:

• Click “Accept Payments Now” on homepage of your account
• You have many options once on this page including:
  • Download a QR code to present to your customer for electronic payments
  • Share your Payment Form link via “Copy Link” button

You can consolidate all your accounts from other financial institutions in one view. Once logged into your account, follow these steps:

• Click Get Started Button under Link External Accounts
• Type your Institution Name in the search field
• Select Bank
• Enter your username and password for your external bank and follow the prompts to link your account
• Once your other financial institution is setup, you should be able to see a financial dashboard of all your accounts

Once logged into your account, follow these steps:

• Navigate to “Transfer & Pay Bills”
• Click “Add an Account for Transfers”
• Click ‘Add An Account”
• Click “Add Account Instantly”
• Follow the prompts to setup your external account

As an Owners Bank business checking account holder or savings account holder, you have access to an accounting integration with Autobooks.

Once logged into your account, follow these steps to access this feature:

• Navigate to Business Tools
• Autobooks (Accounting)
• Accept Terms and Conditions with Autobooks
• Follow the prompts to setup your Autobooks integration

Applying for an Employer Identification Number (EIN) is a free service offered by the Internal Revenue Service. The fastest and easiest way to apply is through the IRS.gov website using their “Internet EIN” application. Once the application is completed, the information is validated during the online session and an EIN is issued immediately.

For more information or to begin your application, visit this IRS.gov website: EIN Individual Request – Online Application (irs.gov).

Most businesses need to register with their state agency with information such as:

• Name of company
• Registered agent
• Registered address
• Business structure
• Proof of Insurance

The U.S. Small Business Administration website can help you register with a particular state agency: Register your business (sba.gov).

We are not able to service business that are involved in:

• Crypto Currency and Money Services
• Privately Owned ATMs
• Marijuana or CBD Product Sales
• Gambling

The Owners Bank team has created an Education hub for business owners and future business owners including tips on how to start your business and financial wellness interactive training sessions for small businesses.

You can find more information here: Education.