Personal Banking

We know that a checking account has to fit your lifestyle and that's why we offer accounts for every stage of life with the following standard features:

Online and Mobile banking
Online & Mobile* Bill Pay
eStatements
ATM/Debit Mastercard

Take a look at the options below to see which account is right for you and when you're ready to open, visit your local branch!

Description	Personal Checking	Checking with Interest	Senior Checking
Minimum deposit to open	$100	$500	$100
Pays interest	No	Yes; see bank for current rates. $1,500 minimum daily balance required to earn interest	No
Monthly service charge	$6	$7	$3
How to reduce or waive monthly service charge	Reduce by $1: Enroll in e-statements, OR Reduce by $1: Have at least 1 qualifying direct deposit to this account each statement cycle OR Reduce by $1: Have at least 25 or more posted Ozona Bank debit card purchases / payments each statement cycle	Waive option: $1,500 minimum daily balance to waive	You may waive your monthly service charge when you have at least one of the following: Enroll in e-statements At least 1 qualifying direct deposit to this account each statement cycle At least 25 or more posted Ozona Bank debit card purchases / payments each statement cycle
These courtesy features and benefits are available on all Ozona Bank checking accounts.	Free Mastercard debit card Free online banking & bill pay Free e-statements¹ Free email & text alerts* Free mobile banking app with mobile check deposit & mobile bill pay** Unlimited check writing Overdraft Protection Transfer available upon request with linked account ²

Personal Account Application

*Data rates may apply.
**Daily limits apply. See bank for details.
¹e-statements require enrollment in online banking. $3 per month fee for Paper Statements.
²Normal account opening procedures apply. Additional rates and fees may apply. See bank for details.
See a banker for current deposit rates.