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Checking AccountsWhether you are a busy executive, a retiree, or a college student, OBA bank has the checking account that is perfect for you. We have designed our checking accounts to offer flexibility, convenience and a wide array of features that will meet your needs, the choice is yours. And with our OBA bankonline services you'll have instant on-line access to your accounts.
Select an account type below for detailed information and benefits. OBA's Checking Accounts Features
- High interest rates *
- Free Internet Banking (OBA bankonline)
- Internet Bill Payer Service (OBA bankonline)
- MasterCard™ Debit Card / ATM access
- Service to report your MasterCard Debit Card lost or stolen. You can call 24 hours a day/seven days a week at 1-800-528-2273
- Free ATM Use on the STARSM Network (ATM Locator)
Other institutions may charge a transaction fee.
- Access to Allpoint ATM National Network - 32,000 surcharge-free ATM's Nationwide.
- Free Basic style checks
- Telephone Banking
- Unlimited check writing privileges
- Overdraft protection available
Additional Account Type FeaturesPOWER PACKAGE CHECKING:
Requires a minimum combined deposit/loan relationship of $20,000. Maximum loan balance counted toward the minimum is $5,000.
OBA's new Power Package offers two great options that will Power-Up your interest and a list of benefits that seem too good to be true...but they are!
No Stop Payment Fees
No Wire Fees (3 per month)
Compact Disc of Paid Checks (1 per year by request)
Free Checks (4 boxes basic/2 boxes custom checks per year)
Option #1 - Creates a sweep relationship between a non interest bearing checking account(A) and a high interest bearing account(B) with no withdrawal limitations and no need for multiple transfers to cover checks. All deposits and checks are transacted on account A. Sweeps end of business day balances over $3000 from account A to account B for higher interest earning potential. If end of business day balance is under $3,000 then funds are swept from account B to account A to bring target balance up to $3,000. Account A has No Minimum Balance Requirement, No Fees, and No Interest.
Account B Requires a $10,000 Minimum Balance with an $18 Fee and No Interest if the balance falls below $10,000.
Option #2 - Creates a relationship between a non interest bearing checking account(A) and a high interest bearing Money Market account(B) without the sweep feature. Requires manual transfers between accounts to cover checks. Account A has No Minimum Balance, No Interest, and No Sweep. Account B Requires a $10,000 Minimum Balance with an $18 Fee if the balance falls below $10,000. Pays .25% higher interest than Option #1 and is subject to Transaction Limitations.
Universal Checking:
$100 is all that is required to open our totally FREE Universal Account. You get a universe of features along with competitive interest rates on balances over $1,000.
Super Checking:
Our basic checking account with all the features our customers love. $100 minimum opening deposit and free unlimited check writing privileges. Your account even earns interest.
Relationship Checking:
We value our relationships at OBA Bank and offer relationship checking to our customers who maintain at least 3 deposit / loan products with OBA Bank that have aggregate balances of $100,000 or more. Unlimited check writing and interest rates competitive to CD rates are your rewards. $1,000 minimum balance required to avoid monthly service charges.
Resources:
Calculators |
Reorder Checks |
Credit Reports |
Financial Self-Tests
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