Checking Options

Simple Checking

This account is designed for those who want unlimited check writing with access to ATM and debit cards.

Features:

  • No service fee per month
  • ATM and Debit Cards available
  • Unlimited check writing
  • Online Banking, Telebank and Bill Pay Services
  • Mobile Banking (mobile carrier text and data rates may apply)
  • Ready Reserve Overdraft Coverage* (with credit approval)
  • e-Statements (optional)
*The aforementioned product requires prior credit approval, for additional information please contact a universal banker.

 

Super NOW Account

This account was designed for individuals and sole proprietorship businesses who want to earn interest on an account with check writing features.

Features:

  • $5.00 service fee per month if the account balance falls below $500.00 any day of the month
  • Varied tiered rates...click on our "rates" tab or call for rates. Interest rates are subject to change
  • Unlimited check writing
  • ATM and Debit Cards available
  • Online Banking, Telebank and Bill Pay Services
  • Mobile Banking (mobile carrier text and data rates may apply)
  • Ready Reserve Overdraft Coverage* (with credit approval)
  • e-Statements (optional)

See checking account disclosure on the "Interest Rate" tab.

*The aforementioned product requires prior credit approval, for additional information please contact a universal banker.

Journey Checking Account

Basic interest bearing checking account available to clients 50 or over.

  • $4.00 service fee per month if the account balance drops below $100.00 any one day of the month
  • An interest bearing account. Interest rates are subject to change
  • Journey design checks available at no cost once a year; single check orders; no duplicate checks
  • ATM and debit cards available
  • Unlimited check writing
  • Photo copies, official checks, money orders
  • Online Banking, Telebank and Bill Pay Services
  • Mobile Banking (mobile carrier text and data rates may apply)
  • Ready Reserve Overdraft Coverage* (with credit approval)
  • e-Statements (optional)

See checking account disclosure on the "Interest Rate" tab.

*The aforementioned product requires prior credit approval, for additional information please contact a universal banker.

The CHOICE Account - A Club Account

This account was designed as a electronic club account to save for life events.

  • No monthly service fee and/or minimum daily balance
  • Account earns monthly interest.  Interest rates are subject to change.
  • Unlimited debit card usage
  • CHOICE debit card use only - No checks are issued with this account
  • Payroll deduction or automatic transfer for depositing convenience
  • Online Banking, Telebank and Bill Pay Services
  • Mobile Banking (mobile carrier text and data rates may apply)
  • Ready Reserve Overdraft Coverage* (with credit approval)
  • e-Statements - No paper statement with this account

See checking account disclosure on the "Interest Rate" tab.

*The aforementioned product requires prior credit approval, for additional information please contact a universal banker.

THE CHOICE IS YOURS....WHEN, WHERE AND HOW YOU USE IT!

Qualified Income Trusts

This account will allow individuals receiving long-term care services who have income over the Medicaid limit an option to deposit their excess income into Qualified Income Trust account.

Who needs a QIT?

In order to receive Medicaid long-term services, an individual’s income must be below the Medicaid limit set by the State of Ohio.  Medicare long-term services are provided to eligible people who:

  • Live in a nursing facility; or
  • Live in intermediate care facilities for individuals with intellectual disabilities (ICF-IDD); or
  • Receive home and community-based services (HCBS), like PASSPORT, Assisted Living, Ohio Home Care, Individual Options, MyCare Ohio, etc.

How do I set-up an QIT Checking Account?

  • Visit any Old Fort Bank Financial Center
  • Bring a notarized copy of the Qualified Income Trust when opening the account
    • Grantor of the Trust
    • Trustee(s) of the Trust
    • Beneficiary – State of Ohio

*The Trustee is responsible for maintaining regulations, compliance and reporting associated with a Qualified Income Trust. Old Fort Bank performs no reporting to government agencies, no monitoring of the account and no legal advice relating to this account.

Graduate Account

An account designed specifically for college students. Our “Graduate” checking account offers flexibility and freedom for wherever your new path in life takes you.

Additional benefits or features

  • No monthly service charges
  • Unlimited check writing
  • First order of checks provided at no cost (safety paper checks only)
  • Visa™ debit card with up to $20.00 a month ATM fees waived for the next 4 years.* (Identify your debit card as a “credit” at point of sale to avoid service fees)
  • Online Banking, Telebank and Bill Pay Services
  • Mobile Banking  (mobile carrier text and data rates may apply)
  • Ready Reserve Overdraft Coverage* (with credit approval)
  • e-Statements
*The aforementioned product requires prior credit approval, for additional information please contact a universal banker.