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Personal Banking Solutions

Deposit Accounts

Oakland Commerce Bank checking accounts offer several additional options such as ReadyCash, our overdraft line of credit, Direct Deposit, Automatic Transfers to loan account and Automatic Bill Payment. These accounts are available to individuals, sole-proprietors, governmental units, and non-profit organizations operated primarily for religious, philanthropic, charitable, educational, political or any other organization not operated for profit.

• Regular Checking
  Write lots of checks? Dislike monthly service fees? Then, Regular Checking is for you. It lets you write as many checks as you want each month, and there is no monthly service fee as long as you maintain the low minimum collected balance.
• NOW Checking
  If you can maintain the minimum balance, NOW Checking can give you all the advantages of a checking account plus pay you interest on your money.
• Statement Savings
  Want to keep a minimal balance and still earn a good return on your savings? Then the Statement Savings account is for you. Your money works for you all the time. No monthly service charges if the minimum collected balance is maintained.
• Money Market
  Enjoy the high yield of a money market with the "cash-when-you-want-it" benefit of a savings account with our Money Market Savings Account. You have limited check writing privileges (six pre-authorized withdrawals per month, three of which may be checks) and no service charge as long as you maintain the minimum collected balance.
• Certificates of Deposit
  A variety of FDIC-insured certificates of deposit are offered at very competitive rates. The minimum deposit is $1000 and maturity dates can range from 30 days to five years.
• Individual Retirement Accounts
  A variety of FDIC-insured individual retirement accounts are offered at very competitive rates. The minimum deposit is $250 and maturity dates can range from 30 days to five years.

Personal Loan Products*

• Personal Loans
  Oakland Commerce Bank offers a wide range of individual loan services to meet your financial needs. Our product line includes home equity loans, installment loans, and bridge loans.
• Ready Cash
  When you need more money than you have in your Oakland Commerce Bank checking account, write yourself a loan! With READYCASH, your checking account has a pre-approved line of credit that automatically covers your account up to your credit limit. You can even get a cash advance at our office.