Most OIB commercial checking accounts can be opened with as little as $100 and includes unlimited check writing and detailed monthly statements.  We also provide a convenient ring binder to organize your statements and check images.  Of course, all OIB accounts carry the maximum FDIC insurance coverage.   Which account is right for your business?  To help you decide we've included a complete overview of our exceptional business accounts.  If you have questions or need additional information, ask any OIB employee.  We're happy to help.

OIB Business Checking Account Whether your business is a sole proprietorship, a partnership, or a corporation, this account provides exceptional value.  We put your money to work building an earnings credit at the 90-day U.S. Treasury Bill rate.  At the end of each month, the earnings credit is applied to reduce or eliminate the monthly maintenance fee and per-item charges.
Minimum deposit to open	$100
Monthly service charge and fees	Based on analysis
	maintenance - $10 check/debit paid or deposit/credit posted-- $0.15 each deposited items -- $0.08 each
OIB Small Business Checking Account Designed to meet the banking needs of the sole proprietor & other small businesses. When the balance or relationship requirements are met, no monthly maintenance fee is assessed.
Minimum deposit to open				$100
Monthly service charge and fees         Minimum balance to avoid all service charges and transaction fees				$10 monthly service charge
				First 250 items FREE $.25 per item charge thereafter (includes electronic ACH and POS items) $2000 or business credit or deposit relationship of $10,000
OIB Business Plus Account For sole proprietorships and not-for-profit partnerships, OIB offers an ideal checking solution.  Features include unlimited access to your funds with interest paid on all balances. This account  is a good choice if higher balances are anticipated.
Minimum deposit to open			$100
Monthly service charge and fees			Actual charges
			maintenance - $10 check/debit paid or deposit/credit posted -- $0.15  each deposited items --  $0.08 each
Interest rate			Rates are subject to change
Interest Compounded			Daily
Interest paid			Monthly
Restrictions			By law, only available to sole proprietorships and not for profit partnerships.
OIB Premium Business Account Available to all commercial customers regardless of business structure, this option offers an excellent cash management tool. It offers interest rates that are competitive in the market. Unlimited withdrawals in person in the teller line are allowed, while access otherwise is limited by federal law.
Minimum deposit to open				$100
Monthly service charge and fees				$25 if minimum balance is not met
Minimum balance to avoid service charge				$10,000
Transaction fees				Unlimited withdrawals in person, otherwise, no more than six preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, and debit card or other similar transactions from your account per month or statement cycle.
Interest rate (rates subject to change)				Rates are based on a tiered structure that is compounded daily and paid monthly.

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Ouachita Independent Bank Monroe West Monroe Bastrop Shreveport, Louisiana 909 N. 18th Street, Suite 100 Monroe, Louisiana 71201 Voice (318) 338-3000 Fax (318) 338-3020 6801 Fern Ave Shreveport, Louisiana 71101 Voice (318) 459-3000 Fax (318) 459-3006