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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
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
    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 
    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




*Data rates may apply.

**Daily limits apply. See bank for details.”

1 e-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.