- 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
Accounts
“OTHER BANKS HAVE NO IDEA WHAT ACCOUNTS I NEED”
ACCOUNTS TO HELP MANAGE YOUR BUSINESS
We designed our accounts specifically for those businesses the big banks ignore.
“YOU OWN IT” CHECKING
INTEREST CHECKING SPECIAL
- 2.28% APY3 on balances over $100,000
- 2.02% APY3 on balances between $10,000.01 – $100,000
- 0.10% 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
- 4.50% APY4 on balances over $200,000
- 4.00% APY4 on balances between $100,000.01 -$200,000
- 3.50% 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 TO SAVE YOU TIME, MONEY AND STRESS
- 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
“WHAT’S THE 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
- Fees listed in the “fine print”
- Outdated banking apps
- Lengthy loan approval process
- No tools provided for small businesses
- Charges you for money management tools
- Snail-mail communication
- Outdated payment technology
- Limited access to local ATM networks
- Automated phone robots
- Does not specialize in small business banking
Rates are effective as of October 1, 2024
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 0.10% APY, daily balances of $10,000.01 – $100,000.00 earn a 2.02% APY, and daily balances $100,000.01+ earn a 2.28% 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 3.50% APY, daily balances $100,000.01 – $200,000.00 earn a 4.00% APY, and daily balances $200,000.01+ earn a 4.50% APY.
Business Loans & Credit
“WHEN I NEED A LOAN, I NEED IT NOW”
Fast Access to Business Loans and Credit
Up to $1,000,000
TERM LOAN:
Fixed interest rates and shorter repayment terms. Fast funding and easy process for your major purchases.
- Loan amount: Up to 1 million
- Term length: Up to 60 months
- APR as low as 8.5%
Did you already start an application? Click here to login and continue your application.
UP TO $250,000
LINE OF CREDIT:
For working capital to manage cash flow, inventory or other capital expenditures.
- Credit limit: Up to $250,000
- Revolving line of credit
- Variable APR as low as 8.5%
Did you already start an application? Click here to login and continue your application.
UP TO $50,000
CREDIT CARD:
A business credit card for every day purchases.
- 16.99% APR – varies with the market based on the Prime Rate
- Digital dashboard to check balance and make payments
- Rewards program for travel, gift cards, merchandise and more!
Click here for more information and to read the Owners Bank Credit Card terms and conditions.
Did you already start an application? Click here to login and continue your application.
HERE’S WHAT YOU’LL NEED TO GET STARTED:
- Minimum credit score: 650
- Your business must be registered to operate in Connecticut, Florida, Georgia, Massachusetts, North Carolina, Pennsylvania, Rhode Island, South Carolina, and Texas
- 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.
OWN IT! REWARDS
The Owners Bank business credit card includes our Own It! Rewards Program
- Earn 1 point for every $1 you spend on eligible purchases
- 10,000 bonus points awarded in the first 120 days of card opening
- Incentive qualifying net dollar amount spent – $1,200
- Incentive reward for qualifying amounts – 10,000 points
- Minimum of 12 transactions
- Redeem for merchandise, gift cards, travel and more.
To download the Owners Bank Mobile App:
Get Started
And Apply
