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Oostburg State Bank is committed to providing the most accurate information available so you can make smart financial decisions. If you have any additional questions, please give us a call at 920-564-2336.
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Frequently Asked Questions

Savings and Checking Accounts

What do I need to set up an account?
All accounts require an unexpired government issued photo id. and a Social Security Card.
Can I set up a new account online?
Because of the verification necessary, you must set up your new account in at one of our two locations.
Is my money safe?
Yes, with a few exceptions. All checking and savings deposits are protected by the FDIC. Some investment accounts are not protected, and therefore have additional risks.
Can I set up an account for someone else?
Yes, but there are restrictions. As a parent or legal guardian, you can set up a custodial account for a child. You cannot create an account for anyone over the age of 18 without their knowledge.
I'm not from the area, will I still have access to my money?
Yes. You can access your money at anytime online, as well as through our network of fee-free ATMs. You can also use ATMs outside of our network, but there may be additional fees applied to each transaction.
What happens if I bounce a check or overdraw my savings or checking account?
You will be required to right your account and will be assessed a fee. We offer several account protection programs to prevent overdrawn accounts.

Online Banking

What do I need to start Online banking?
You will need to know one of your account numbers, social security number, PIN and e-mail address. If you have not already set up a PIN, you will need to contact the Operations Department at 920-564-2336 or e-mail Your email address will enable the online banking system to email you your password should you forget it. We will not share your email address with anyone and you will not be solicited by the bank as a result of registering your email address with online banking.
What is my Username and Password?
After agreeing to the Terms and Conditions, you will need to create a username and password. For your username, use at least 6 to 12 alpha or numeric characters. For your password, use at least 8 to 17 alpha and numeric characters with at least 1 uppercase alpha character. Both the username and password are case sensitive.
How do I change my Password?
Log in to Online banking. Click on “Profile” in the upper right hand corner of the page. Then click on “Edit” next to “Password”. Enter your current password into the "Current Password" textbox. Enter a new password into the "New Password" textbox and again into the "Confirm New Password" textbox. Use at least six 8 to 17 alpha and numeric characters with at least 1 uppercase alpha character. The password is case sensitive. Next click "Save". You should receive a message indicating that your password was changed successfully. None of the bank’s personnel will know, or have access to your password.
How do I change my Username?
You will choose your Username during the enrollment process. If you decide to change it at a later time, please contact our Operations Department at (920) 564-2336 or email
What is a Challenge Question and Answer?
A Challenge Question and Answer is a form of personal identification that involves a "shared secret". The authenticating party (the Bank) seeks to verify the identity of a transaction initiator (the Customer) via a question that only an authentic customer should be able to answer. You will be asked to set up 3 challenge questions and answers during the initial enrollment process. To change a question and answer, log in to Online banking. Click on “profile” in the upper right hand corner of the page. Then click on “edit” next to “challenge questions”. Choose a question from the drop down box and put the answer in the next text box. Click “Save” when you are done with your changes.
How can I access Online banking?
You can access through virtually any web browser, including Google Chrome, Apple Safari, Mozilla Firefox and Microsoft Edge. We recommend that you update your browser to the most current version. PDFs can be viewed using a number of applications, including Adobe Acrobat Reader.
Where do I log on to Online Banking?
You can log in to Online Banking through any page on the Oostburg State Bank website. Look for the Login link at the top of the page.

Bill Payment

What do I need to start Bill Payment?
You must be a current Online Banking customer. Contact us learn more about getting started with Bill Payment.

Check Images

How do I see my checks?
The following allows you to retrieve images of checks that have cleared up to the past 60 days: 1. Log in to Online Banking 2. Click on the account you would like to see. This will bring up your transactions. 3. Under the “Description” column, click on the check number of the check you'd like to see. 4. If you do not see the check you are looking for, click on “more transactions” at the bottom of the page OR you may use the “search transactions” on the right hand side of the page.
When do my checks appear on Online Banking?
Your transaction appears on your Online Banking statement in "real time" as soon as your check is processed.  Your check will be available for viewing by 10:00 am the following business day.
How long will my checks remain on Online Banking?
You can view your checks for 2 years after they clear.
How do I print a copy of my check?
Click on the picture of the printer either at the top or bottom of the image.


What is an eStatement?
An eStatement is an electronic statement.  It is an exact replica of a paper statement, except that it is available through Online Banking.  As soon as your statement is prepared, it appears on Online Banking.  It replaces the paper statement sent through the mail.
How do I begin getting eStatements?
You must be a current Online Banking customer. 
What if I have a joint account?  Can I still sign up?
Yes. Only one account from the combined statement need be listed.  If you receive a separate statement, then that account number would also have to be enrolled.  You must be an account owner to receive these
Are eStatements available for businesses?
How do I view eStatements?
Combined Statements:  Customers who prefer to see all of their accounts on one statement choose combined statements.  With eStatements, Online Banking will send an email to you when your statement has arrived instead of a statement via mail. Next, you can log into Online Banking, select your checking account, and a "Documents" button will be available. Clicking the "Documents" button will provide a list of sixteen (16) months of statements available for viewing.   All of your combined accounts will be on this eStatement.  (Some accounts may not be eligible for combined statements.)  Any account that is on a combined statement will only be viewable through the primary checking account. Separate Statements: If you prefer to view a completely separate statement for each account, you will need to enroll each account separately.  Instead of receiving a statement via mail, Online Banking will send an email to you when your statement has arrived. Log in to Online Banking to view the eStatement, then select the particular account you'd like to view.  Click the "Documents" button, and a list of the eStatements will appear.  Select the month you would like to view.
Can I print a copy?
Yes.  Use the print button available on your browser.  This printer friendly version will look exactly like the statement you had been receiving in the mail.
How long will I be able to see this month's statement?
Your eStatement will remain on Online Banking for up to sixteen (16) months.
Can I go back to see last month's statement after I get this month's?
Yes. Each of your eStatements will be listed separately and will remain available for up to sixteen (16) months.
When I click on Documents, and then Account Statement, I receive the message "No Documents Are Currently Available For Viewing".
First, try again.  As with any page request over the internet, there is a chance that the server is busy. If you are enrolled and continue receiving this message after the time when you normally would have received a statement, call 920-564-2336.  We will verify that the account you are trying to review has been enrolled.  If you choose a combined statement so you can view all of your accounts in one click and a single print, then your eStatements will appear under the main checking account only.  All other accounts that had been requested to be on the Combined eStatement will receive the message "No Documents Are Currently Available For Viewing".
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