Consumer Accounts


The Bank of Oswego is refreshingly friendly in our everyday banking practices. Know that you will not have to call an out-of-town 800 number and that your questions will always be answered directly. We will do everything possible to make banking convenient for you, whether on-site, on-line or at your door with our own courier service.

Personal Deposit Accounts
Personal Deposit Accounts
Lake O Personal Deposit Account
Our High Yield Checking account closes the gap between regular checking accounts and money market accounts. With a balance of $50,000 and above, you can earn yields comparable to money market products and still get all the services and convenience of a checking account. No more shuffling your money around to cover that check, or to get the highest interest rate.
Personal Checking Account
Interest-earning checking account offering unlimited check writing, deposits and withdrawals.
Senior Checking Account
Interest-earning checking account offering Seniors (age 55 and up) unlimited check writing, deposits and withdrawals.
Student Checking Account
Interest-earning checking account offering check writing, deposits and withdrawals. On student's 24th birthday the account will convert to a Personal Checking Account. If the student is under 18 years of age, a parent must be added as joint owner.
Personal Savings Account
A variable rate savings account offering a competitive market rate of interest with no check writing privileges.
Personal Money Market Account
Earn a competitive market interest rate while having limited check writing ability.
Time Accounts (Certificates of Deposit or CDís)
Account offering a wide range of terms and interest payment methods at fixed rates. Customer is able to choose a time frame that fits a savings need while locking in the current interest rate. Offers a guaranteed interest rate with more security than an investment account.
IRA - Time Accounts (Certificates of Deposit or CDís)
Account offering a wide range of terms and interest payment methods at fixed rates available as Individual Retirement Accounts (IRAs), including Traditional IRAs, Roth IRAs, and Simplified Employee Pension (SEP) IRAs. Offers a guaranteed interest rate with more security than an investment account.

Member FDIC © 2015  The Bank of Oswego Equal Housing Lender