Regular Savings

  • Earn 0.20% APY*
  • No Minimum Deposit to Open Account 
  • Interest Compounded Daily
  • Unlimited Deposits
  • $1.50 Withdrawal Fee in Excess of Two (2) per Month
  • $1.50 Dormant Account Fee (charged monthly for accounts with balances of $25.00 or less with one year of inactivity)
  • FDIC insured

Fees that may apply:

  • Overdraft Fee(s) $25.00 per item
  • Returned Item Fee $25.00 per returned item
  • Stop Payment $25.00 per stop payment order
  • Research Fees $25.00 per hour (1/2 hour minimum charge)


*APY = Annual Percentage Yield
At our discretion we may change the interest rate on the account monthly.
No minimum balance required to obtain APY.
Fees could reduce earnings on account?
The annual percentage yield is accurate as of 3-8-16


Money Market Account

  • Six (6) transfers from your account each four (4) week or similar period.
  • Unlimited transfers if made in person, by messenger, by mail or at the ATM)
  • $10.00 monthly service charge (to avoid the service charge, maintain an average daily balance of $1,000 or more)
  • $5.00 excess transaction fee if over stated, limit of six
  • $1,000 minimum deposit to open account
  • FDIC insured
  • Dormant fee $1.50 monthly on balances of $100.00 or less

Tier Rate APY*

Up to $10,000  0.20% 0.20%

$10,001 - $25,000 0.25% 0.20% - 0.23%

$25,001 - $50,000  0.35% 0.23% - 0.29%

$50,001 and up 0.45% 0.29% - 0.45%

This account also includes:

  • Free Online Banking
  • Tel-Account 24 Telephone Banking
  • Debit Card
  • Monthly Statement with Check Images
  • Automatic Overdraft Privilege (if approved)


*APY = Annual Percentage Yield
At our discretion we may change the interest rate on the account weekly.
No minimum balance required to obtain APY.
Fees could reduce earnings on account
The annual percentage yield is accurate as of 3-8-16


Kids Club 

Hey Kids!

Want to have FUN saving money? Come join the O’Bannon Kids Club and see what the excitement is all about! It’s FREE and it’s just for KIDS. Become a member today!

Hey Parents!

O’Bannon Kids Club is committed to teaching your child the importance of saving. Bring your child to one of our convenient locations to become a member.

  • Earn 0.20% APY*
  • No minimum Deposit to Open Account
  • Interest Compounded Daily
  • Unlimited Deposits
  • FDIC insured

This account becomes Regular Savings in the year following the child’s 12th birthday.


*APY = Annual Percentage Yield
At our discretion we may change the interest rate on the account monthly.
No minimum balance required to obtain APY.
The annual percentage yield is accurate as of 3-8-16


Christmas Club

Start saving for those special individuals on your Christmas list. We offer Christmas club accounts to fit any budget.

  • $2.00 Minimum Deposit to open account
  • Available the third Monday in November each year
  • Direct deposit or check issued the following November for the balance in the account
  • 50th payment made by Bank if 49 payments are made by the end of the club period.
  • No withdrawls until maturity
  • FDIC insured

Fraud Protection

Protecting yourself from cyber predators can be a daunting task. Rest assured - we are here to help.