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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, Mobile*, and Telephone Banking
  • Online & Mobile* Bill Pay
  • eStatements
  • ATM/Debit Mastercard®

Savings accounts are key to your financial health! 

Having a savings goal for large purchases, vacations, or emergency expenses is important. We make it easy to save with a variety of savings accounts and online tools. 

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!

  Personal Checking Personal Checking with Interest Senior Checking Personal Savings Personal Tiered Money Market
Minimum Deposit to Open $100  $500 $100 $100 $1,000
Pays Interest  No  Yes No Yes Yes
Monthly Service Charge  $6 $7 $3 $5 $9
Reduce/Waive Service Charge Options

Reduce by $1:
Enroll in eStatements 

Reduce by $1:
1 qualifying direct deposit

Reduce by $1:
25+ posted debit card purchases/payments

 Waive your service charge when you maintain a $1,500 minimum daily balance 

Waive your service charge if you have at least one of these:

1. Enroll in eStatements 
2. 1 qualifying direct deposit 
3. 25+ posted debit card purchases/payments

 Waive your service charge when you maintain a $500 minimum daily balance  Waive your service charge when you maintain a $2,500 minimum daily balance
 ATM/Debit Card Yes  Yes Yes No No
 Checks  Available Available Available No No
Statement Printed & Mailed  eStatement1  Printed & Mailed eStatement1   eStatement1
 Overdraft Protection Transfer Yes2   Yes2 Yes2 Yes2 Yes2
 Online & Mobile Banking Yes  Yes Yes Yes Yes
Bill Pay Yes3  Yes3 Yes3 Yes3 Yes3
  Learn more about our Personal Banking products here! 

*Data rates may apply. 

1 eStatements require enrollment in online banking. $3 per month fee for Paper Statements.

2 $5 fee for each transfer made from your linked Ozona Bank Savings, Money Market, or Commercial Line-of-Credit account to prevent overdrawing this account. 

3 Limits apply. Visit an Ozona Banker today to learn more.

Rates subject to change. See Ozona Bank Deposit Rates for more info.


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