Features — Oak Ridge Trust

In the app

Small features that fix big annoyances

The digital tools you expect from a national bank, backed by people you can actually reach.

Misplaced your card at brunch? Freeze it from your phone, find it in your jacket, unfreeze it. No call center involved.

Every swipe pings your phone with the merchant and your new balance. Fraud gets caught in seconds, not statements.

More fee-free ATMs than the three biggest banks combined, mapped right in the app.

Up to $200 of cushion on debit purchases for eligible members, with no overdraft fees. Your limit grows with your deposit history.

Everything inside

Every account comes with all of it. There's no premium tier because there's no basic tier.

No monthly fee, no minimum balance, no asterisks hiding in the footnotes.

Passbook-simple savings and CDs with rates we post right on the wall.

Mortgages decided upstairs, not out of state — for houses we can drive past.

Fixed rates and honest terms for cars, trucks, and life's surprises.

Checking and lending for the shops and trades that keep Main Street lit.

Mobile deposit, card controls, and person-to-person payments — small bank, big app.