Owen County State Bank
Owen County State Bank supports Zelle. FedNow and RTP participation has not been confirmed.
Spencer, IN · FDIC Cert #13112
https://ocsbank.com201 W Morgan St, Spencer, IN, 47460
Contact info sourced from FDIC BankFind. Directory data last synced July 28, 2026. See methodology.
- Source
- Zelle's partner directory
- Community confirmations
- 0
Zelle's own directory is known to be incomplete, so a missing badge doesn't necessarily mean a bank lacks support.
Submit Route Report
Add a real transfer outcome involving Owen County State Bank.
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Report early direct deposit
Did a paycheck or benefit show up early at Owen County State Bank?
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Sending from Owen County State Bank
Rails observed when Owen County State Bank was the sending bank.
No sending reports yet for Owen County State Bank. Once community members report a transfer from this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Receiving into Owen County State Bank
Rails observed when Owen County State Bank was the receiving bank.
No receiving reports yet for Owen County State Bank. Once community members report a transfer into this bank, this section will show which rail was used, how many reports were successful, delayed, or unsuccessful, and the average settlement time.
Similar institutions
Other banks in IN.
- Old National Bank · Evansville
- First Merchants Bank · Muncie
- Merchants Bank of Indiana · Carmel
- Centier Bank · Whiting
- 1st Source Bank · South Bend
Frequently asked questions
Does Owen County State Bank support FedNow?
This hasn't been confirmed. Owen County State Bank does not currently appear in Federal Reserve's FedNow participant list, and no community reports have confirmed this rail for this bank yet.
Does Owen County State Bank support RTP?
This hasn't been confirmed. Owen County State Bank does not currently appear in The Clearing House's RTP participant list, and no community reports have confirmed this rail for this bank yet.
Does Owen County State Bank support Zelle?
Yes. Owen County State Bank appears in Zelle's partner directory, confirmed July 18, 2026. Zelle's own directory is known to be incomplete — a missing badge doesn't confirm a bank lacks support, only that it isn't listed there.
Does Owen County State Bank have early direct deposit (EDD) evidence?
No early direct deposit evidence has been reported for Owen County State Bank yet.