FDIC-Insured—Backed by the full faith and credit of the U.S. Government
Personal & Business Banking Products
Banking That Fits the Way You Live and Work
At Bank of Eastern Oregon, we offer personal and business banking products designed to meet the needs of the rural communities we serve.
Whether you're looking for an everyday checking account, building your savings, managing a business, or looking for convenient cash management services, our local banking team can help you find the right fit.
Explore our checking, savings, money market, certificate of deposit, and business banking options below.
Need help deciding? Contact or visit your local Bank of Eastern Oregon branch and we'll help you compare your options.
Personal Checking Accounts
The right checking account should make managing your everyday finances simple.
Bank of Eastern Oregon offers several personal checking account options with features including online banking, bill pay, interest-earning opportunities, and options for different balance needs.
Compare our personal checking accounts below to find an option that works for you. If you're not sure which account is the best fit, contact your local branch.
Our team will be happy to walk you through the available features, fees, balance requirements, and account benefits.
| Account Name | Min to Open | Min Daily Balance | Online Access | Bill Pay | Interest |
|---|---|---|---|---|---|
|
e-Checking Convenience at your fingertips. |
$100.00 | None | • | • | |
|
Direct Deposit Checking Another convenient product with |
$100.00 | None | • | • | |
|
Interest Checking The more you have in your account, |
$100.00 | $1,000.00 | • | • | • |
|
Traditional Checking For those accustomed to the |
$100.00 | $500.00 | • | • | |
|
Premium Investment Account For those who keep a higher balance |
$25,000.00 | $25,000.00 | • | • | • |
All fees are subject to change. Please contact your local branch for full account details, service charges, current fees, rate information and restrictions.
Savings Accounts
Whether you're building an emergency fund, saving toward a goal, setting money aside for the holidays, or looking for a way to earn interest on your balance, Bank of Eastern Oregon offers savings options for a variety of financial needs.
Choose from personal and business savings accounts, Savings Goal accounts, Money Market accounts, Christmas Club accounts, and Time Certificates of Deposit (CDs).
Each option offers different balance requirements, access to funds, and savings features.
Compare our savings options below or contact your local Bank of Eastern Oregon branch for current rates, account details, fees, service charges, and restrictions.
| Account Name | Min to Open | Early Withdrawal Fee | Free Online Banking | Min Daily Balance |
|---|---|---|---|---|
|
Personal or Business Savings* We offer many different options of |
$100.00 | • | $200.00 | |
|
Savings Goal** Save for your dreams with above-market |
$100.00 | None | ||
|
Money Market*** Save at a higher rate while enjoying the |
$100.00 | • | $2,500.00 | |
|
Christmas Club** Save all year for the holidays and earn |
$10.00 | |||
|
Time Certificates of Deposit**** Save at a higher rate with maturity |
$500.00 | • | $500.00 |
* Must maintain $200 average collected balance to avoid $3 monthly service charge. If you withdraw more than 3 times per month, there will be an excessive withdrawal charge of $1 per withdrawal after the 3 allowed.
** You may not deposit more than $3,000 to this account. You may deposit a total of $250 per month. No withdrawals allowed until maturity date. If account is closed before interest is credited, you will not receive the accrued interest.
*** $2,500 minimum balance must be maintained for each day in the statement cycle to avoid a $10 monthly service charge.
**** Early withdrawal from Time Certificates of Deposit will result in penalty.
Business Banking
Your business banking needs are as unique as your business. Bank of Eastern Oregon offers business checking, interest-bearing accounts, money market accounts, Cash Management, and other banking services designed to help businesses manage their finances efficiently.
Whether you operate a small business, nonprofit organization, agricultural operation, or growing company, our local banking teams can help you select accounts and services based on your transaction volume, balances, and day-to-day banking needs.
For businesses that need additional tools, our Business Cash Management services provide convenient ways to manage accounts, originate transactions, monitor activity, and help protect against fraud.
| Account Name | Min to Open | Min Daily Balance | Monthly Service Charge | Free Online Banking |
|---|---|---|---|---|
|
Non-Profit Business Banking Designed for clubs, associations, religious, and |
$100.00 | • | ||
|
Business Interest Designed for entities that want the flexibility |
$100.00 | $1,000.00 | • | |
|
Business Short Form For business accounts with small volume. |
$100.00 | $10.00 | • | |
|
Business Long Form Designed for high volume business accounts or for |
$100.00 | $10.00 | • | |
|
Business Money Market Earn interest on your money while enjoying the |
$100.00 | $2,500.00 | • | |
|
Business Cash Management* Provides customers with online account access, Oregon and Idaho Business Owners |
- What is Business Cash Management?
- What is Business Positive Pay?
- 2026-27 Security Reminders/Holiday Wire Dates
- How ICS and CDARS Work
Business Sweep Services
We work with you to set your desired balance limits in each of your deposit accounts and then the sweep service takes over, moving excess deposit balances to a money market account, or to pay down an operating line of credit. And vice versa when your deposit balances are low.
Each of our business accounts can be tailored to meet the specific needs of your company. Take a few minutes and allow our branch team to review your deposit, lending, and transaction needs and we’ll set up the accounts and services you’ll need to accomplish your goals.