Check Balances
View balances, transactions, and recent deposits anytime, anywhere.
Member FDIC · Cultivating Thriving Communities
Banking that
works for you
From personal banking and mortgage loans to business credit cards and digital banking — BIOS Mortgage is here to help you meet your financial goals, now and in the future.
FDIC Insured
256-bit Encrypted
24/7 Support
Total Balance
$48,291.55
Mortgage
Transfer
Cards
More
50K+
Active Accounts
$2.1B
Assets Managed
35+
Branch Locations
98%
Client Satisfaction
Personal Banking
Explore Digital Banking
Your finances, your way
Life doesn't always make it easy to get to the bank. So we're bringing the bank to you. Manage your accounts, send money, pay bills, and more — whenever and wherever it's convenient for you.
Online Banking
Manage accounts 24/7
Mobile App
Bank from your phone
Zelle®
Send money in minutes
Checking & Savings
Accounts for every need
Checking Account
$12,847.30
Business
•••• •••• •••• 4829
Card Holder
YOUR BUSINESS
Rewards
•••• •••• •••• 7156
Business Banking
Compare Business Cards
Credit cards built for business
Choose from low rate, cash back, or flexible rewards business credit cards. Track expenses easily with free online reporting tools, and enjoy zero fraud liability with 24/7 cardmember service.
Low rate, cash back, and flexible rewards options
Free employee cards with no annual fee
Purchasing cards & Visa CommUNITY® for nonprofits
Mobile payment capability for added convenience
Mortgage Loans
Your dream home starts here
Whether you're buying your first home, refinancing, or upgrading — our mortgage experts will guide you every step of the way. Competitive rates, flexible terms, and local decision-making.
30-Year Fixed
6.25%
APR
15-Year Fixed
5.50%
APR
5/1 ARM
5.75%
APR
Competitive rates with flexible term options
First-time homebuyer programs available
Local decision-making and fast approvals
Pre-Approval in 24 Hours
Start your homebuying journey today
Digital Banking
The bank that comes to you
Bank anytime, anywhere. Our digital banking services put safe, secure access to your accounts at your fingertips.
Online Bill Pay
Schedule automatic payments for new and recurring bills.
Zelle®
Send money directly to friends and family in minutes.
Mobile Deposit
Deposit checks from your phone — no branch visit needed.
Why BIOS Mortgage
Built around your community
We're here to help the people who grow our food, build our economy, and call us neighbors meet their financial goals.
Local Decisions
Our loan decisions are made right here in your community, not in a distant corporate office. We understand the local market.
Community First
We invest in the communities we serve through philanthropy, volunteerism, and partnerships that make a real difference.
Personal Service
From mortgage experts to business bankers, our team takes the time to understand your unique financial situation and goals.
Testimonials
What our clients say
"BIOS Mortgage made the home buying process so smooth. Our banker guided us through every step, and we closed in just 21 days. Couldn't be happier with our new home!"
SK
Sarah K.
First-time Homebuyer
"The business credit card has been a game-changer for tracking expenses. Free employee cards and the expense reporting tools save us hours every month."
MR
Mike R.
Small Business Owner
"Digital banking with Zelle® has made managing our family finances effortless. I can send money, pay bills, and check balances all from my phone."
JL
Jennifer L.
Personal Banking Client
Common Questions
Frequently Asked Questions
You can enroll online by visiting our Digital Banking page and clicking "Enroll." You'll need your account number, Social Security number, and email address. The process takes just a few minutes.
We offer a full range of mortgage options including conventional fixed-rate loans (15 and 30-year), adjustable-rate mortgages (ARMs), FHA loans, VA loans, and first-time homebuyer programs with competitive rates.
We offer Low Rate, Cash Back, and Flexible Rewards business credit cards. We also offer Purchasing Cards for expense consolidation and Visa CommUNITY® Cards designed specifically for nonprofits and municipalities.
Absolutely. BIOS Mortgage is a Member FDIC institution, meaning your deposits are insured up to $250,000 per depositor. We also use 256-bit encryption and multi-factor authentication to protect your accounts online.
You can reach us by phone at 800-908-2265 (available 24/7), visit any of our branch locations, or use the secure messaging feature within online and mobile banking.
Ready to get started?
Whether you're opening your first account, applying for a mortgage, or looking for business credit cards — we're here for you.
Get in Touch
A banker will reach out within one business day.
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