App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
*APY = Annual Percentage Yield.
HIGH INTEREST CHECKING
Truth-In-Savings Disclosure:
Rate Information. At our discretion, we may change the interest rate(s) for this account.
The interest rate on this account is 0.010000% with an annual percentage yield of 0.01%. The interest rate(s) and annual percentage yield(s) may change at any time.
Additional Rate Information. The initial interest rate on your account if qualifications are met, balances up to $25,000.00 earn 2.01%/2.01% APY; and balances over $25,000.00 earn 0.10%/0.10% APY, resulting in a range from 0.48% to 2.01% APY depending on the account balance. Subsequent rates if qualifications are not met, 0.01%/0.01% APY on the entire balance.
Crediting Frequency. The interest will be credited into this account monthly.
Compounding Frequency. The interest will be compounded monthly.
Effect of Closing an Account. If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation Method. The interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
Accrual of Interest on Noncash Deposits. The interest will begin to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks) into your account.
Minimum Balance to Open. The minimum balance required to open this account is $25.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Fees and Charges. The following fees and charges apply to this account:
Paper Statement Fee: $4.00
Additional Terms. The following additional terms apply to this account: OMB High Interest Checking Qualifications: 12 debit card purchases must be posted to your account during your monthly statement cycle. 1 Direct Deposit or ACH Auto Debit/Credit posted monthly to your account. Condition: This account requires you to receive electronic statements monthly; however, you may add-on the service of receiving a paper statement fee for a $4 monthly statement fee. ATM Refund: If qualifications are met we will refund up to $15 for nationwide ATM withdrawal fees imposed by us and other financial institutions during your monthly qualification statement. ATM Refund: If you fail to meet the monthly qualifications, ATM fees will not be refunded. When qualifications are not met, your checking account is still service charge FREE. Limit one account per primary Social Security Number. Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment.
REWARDS CHECKING
Truth-In-Savings Disclosure:
Minimum Balance to Open. The minimum balance required to open this account is $25.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
Fees and Charges. The following fees and charges apply to this account:
Paper Statement Fee: $4.00
Additional Terms. The following additional terms apply to this account: OMB Rewards Checking Qualifications: 12 debit card purchases must be posted to your account during your monthly statement cycle. 1 Direct Deposit or ACH Auto Debit/Credit posted monthly to your account. Condition: This account requires you to receive electronic statements monthly; however, you may add-on the service of receiving a paper statement fee for a $4 monthly statement fee. If you have met your eligibility qualifications, you will earn 5% cash back on all debit card purchases with a max refund of $10 monthly. ATM Refund: If qualifications are met we will refund up to $15 for nationwide ATM withdrawal fees imposed by us and other financial institutions during your monthly qualification statement. ATM Refund: If you fail to meet the monthly qualifications, ATM fees will not be refunded. When qualifications are not met, your checking account is still service charge FREE. Limit one account per primary Social Security Number. Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment.
CLASSIC CHECKING
Truth-In-Savings Disclosure:
Minimum Balance to Open. The minimum balance required to open this account is $100.00.
Deposit(s) Limitations. You may make an unlimited number of deposit(s) into your account.
AdditionalTerms. The following additional terms apply to this account: Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment.
STOCK REWARDS CHECKING
Not insured by the FDIC. Not a deposit or other obligation of, or guaranteed by, the depository institution. Subject to investment risks, including possible loss of the principal amount invested. These non-deposit investment products are insured by the SIPC with a total of up to $500,000, including $250,000 in cash.
TRUTH IN SAVINGS DISCLOSURE:
Do rewards differently by earning fractional shares of popular stocks with every debit card purchase.
Minimum Balance Requirements. You must deposit $25.00 to open this account.
Transaction Limitations. You may make an unlimited number of deposit(s) into your account.
Additional Information Regarding Your Account. The following additional terms apply to this account: OMB Stock Rewards Checking
Qualifications:
· Earn up to $15 in stock rewards per month
· 2.5% of debit card purchase that applies to earning rewards
· Requires connected brokerage account with partner Bits of Stock; Not insured by the FDIC. Not a deposit or other obligation of, or guaranteed by, the depository institution. Subject to investment risks, including possible loss of the principal amount invested. These non-deposit investment products are insured by the SIPC with a total of up to $500,000, including $250,000 in cash.
· Customer must select a default stock pick to begin to earn rewards.
· Stocks are chosen by OMB Bank and changes may be made at any time.
· If you choose to close your Bits of Stock brokerage account, your OMB Bank checking account will not automatically close. You must inform OMB Bank if you wish to close the checking account.
· Rewards will be lost if not redeemed prior to account closing.
This account requires you to receive electronic statements monthly; however, you may add-on the service of receiving a paper statement fee for a $4 monthly statement fee.
If you have met your eligibility qualifications, stock reward redemption is available for qualifying debit card purchases up to a $10 maximum monthly amount. Limit one account per primary Social Security Number.
Nonsufficient Funds (NSF) Fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the amount of money available in your account, and we decide not to pay the item or transaction we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a transaction is presented for payment. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, we may charge you non-sufficient funds fees if we return the debit or charge you overdraft fees if we pay the debit on your behalf.
Fees and Charges. Please refer to the Fee Schedule provided to you in these Terms for information about fees and charges associated with this account. A Fee Schedule is provided to you at the time you open an account, periodically when fees or charges change, and upon request.
The following additional fees and charges apply to this account:
Service Charge/Subscription: $5 per month
Paper Statement Fee: $4.00
Starbucks and the Starbucks logo are registered trademarks of Starbucks U.S. Brands, LLC
Jack Henry and the JHA logo are registered trademarks of Jack Henry & Associates, Inc.®
Apple and the Apple logo are trademarks of Apple, Inc., registered in the U.S.
3M and the 3M logo are the registered trademarks of 3M.
Amazon and all related Marks are Trademarks of Amazon.com, Inc. or its affiliates.
Microsoft and the Microsoft logo are trademarks of Microsoft Corporation, Inc., or its affiliates.
Meta and the Meta logo are trademarks of Meta, Inc.
Walmart, Wal-Mart, and the Walmart logos are registered trademarks of Walmart.
Google and the Google logo are registered trademarks of Google LLC.
Nvidia, the Nvidia logo, and all related marks are trademarks of Nvidia Corp.
App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.
INVEST
