Ohio Rev. Code » Chapter 1109
Ohio Revised Code

Ohio Rev. Code § 1109.69 (2026)

Record retention

✓ laws through the 2026 session (checked Sept. 2026)
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Effective:
January 1, 2018
Latest Legislation:
House Bill 49 - 132nd General Assembly
PDF:
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(A) Unless a longer record retention period is required by applicable federal law or regulation, each bank shall retain or preserve the following bank records and supporting documents for only the following periods of time:

(1) For one year:

(a) Broker's confirmations, invoices, and statements relating to security transactions of the bank or for or with its customers, after date of transaction;

(b) Corporate resolutions, partnership authorizations, and similar authorizations relating to closed accounts, loans that have been paid, or other completed transactions, after date of closing, payment, or completion;

(c) Ledger records of safe deposit accounts, after date of last entry on the ledger;

(d) Night depository records, after their date;

(e) Records relating to closed Christmas club or similar limited duration special purpose accounts, after date of closing;

(f) Records relating to customer collection accounts, after date of transaction;

(g) Stop payment orders, after their date;

(h) All records relating to closed consumer credit loans and discounts, after date of closing;

(i) Deposit tickets relating to demand deposit accounts, after their date;

(2) For six years:

(a) Deposit and withdrawal tickets relating to open or closed savings accounts, after their date;

(b) Individual ledger sheets or other records serving the same purpose that show a zero balance and that relate to demand, time, or savings deposit accounts, and safekeeping accounts, after date of last entry, or, where the ledger sheets or other records show an open balance, after date of transfer of the amount of the balance to another ledger sheet or record;

(c) Official checks, drafts, money orders, and other instruments for the payment of money issued by the bank and that have been canceled, after date of issue;

(d) Records relating to closed escrow accounts, after date of closing;

(e) Records, other than corporate resolutions, partnership authorizations, and similar authorizations relating to closed loans and discounts other than consumer credit loans and discounts, after date of closing;

(f) Safe deposit access tickets and correspondence or documents relating to access, after their date;

(g) Lease or contract records relating to closed safe deposit accounts, after date of closing;

(h) Signature cards relating to closed demand, savings, or time accounts, closed safe deposit accounts, and closed safekeeping accounts, after date of closing;

(i) Undelivered statements for demand deposit, negotiable order of withdrawal, savings, agency, brokerage, or other accounts for which customer statements are prepared, and canceled checks or other items, after date of statement, provided the bank has attempted to send the statements and checks or other items to its customer, has held them pursuant to the instructions of or an agreement with its customer, or has made them available to its customer.

(B) The superintendent of financial institutions may designate a retention period of either one year or six years for any record maintained by a bank but not listed in division (A) of this section. Records that are not listed in division (A) of this section and for which the superintendent has not designated a retention period shall be retained or preserved for six years from the date of completion of the transaction to which the record relates or, if the last entry has been transferred to a new record showing the continuation of a transaction not yet completed, from the date of the last entry.

(C) The requirements of divisions (A) and (B) of this section may be complied with by the preservation of records in the manner prescribed in section 1109.68 of the Revised Code.

(D) In construing the terms set forth in division (A) of this section, reference may be made to general banking usage.

(E) A bank may dispose of any records that have been retained or preserved for the period set forth in divisions (A) and (B) of this section.

(F) Any action by or against a bank based on, or the determination of which would depend on, the contents of records for which a period of retention or preservation is set forth in divisions (A) and (B) of this section shall be brought within the time for which the record must be retained or preserved.

(G) Where a record may be classified under either division (A)(1) or (2) of this section, the record shall be retained or preserved for the period set forth in division (A)(2) of this section.

(H) The provisions of this section do not apply to those records maintained by a bank in its capacity as a trust company.
Notes of Decisions
Cited in 9 cases (2 in the last 5 years), 2000–2023 · leading case: Spiller v. Sky Bank-Ohio Bank Region, 2009-Ohio-2682, 910 N.E.2d 1021.
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Spiller v. Sky Bank-Ohio Bank Region, 2009-Ohio-2682, 910 N.E.2d 1021. · cites it 40× “] When an action on an account against a bank is based on or depends on the contents of records that the bank is required to maintain, the action must be asserted within the time provided by R.C. 1109.69 for retention of those records, even when the account at issue is an…”
Capital One Bank (USA), NA v. Reese, 2015-Ohio-4023. · cites it 8× “Henry suggests that the action herein is time barred by application of R.C. 1109.69. That statute requires banks to maintain certain records for either one or six years.”
Paul v. PNC Bank Natl. Assn., 2022-Ohio-672. · cites it 11× “Second and Third Assignments of Error {¶10} In his second assignment of error, Paul argues that the trial court erred in granting summary judgment because it improperly applied R.C. 1109.69 and the relevant case law, and improperly applied the summary-judgment standard.”
Nagel v. Huntington Nat'l Bank, 900 N.E.2d 1060 (Ohio Ct. App. 8th Dist. 2008). · cites it 2× “The trial court erred when it concluded that the one-year limitations period of R.C. 1109.69 did not bar the claims of appellant and her proposed class members.”
Brentlinger v. Bank One of Columbus, N.A., 782 N.E.2d 648 (Ohio Ct. App. 10th Dist. 2002). · cites it 15× “{¶ 25} “The trial court erred by holding that R.C. § 1109.69 was applicable to this case by reason of defendant-appellee to comply with Evidence Rule 803.”
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). · cites it 26× “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Sandeep & Payal, Inc. v. Richmond, 2014-Ohio-76. · cites it 39× “{¶ 13} R.C. 1109.69, which is captioned "Retention of records," states in relevant part: (A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: (1) For one year: *** (i) Deposit tickets relating to…”
Ray v. Ogle, No. 1:22-cv-01265 (N.D. Ohio May 17, 2023). · cites it 8× “In response, plaintiff argues that the one-year statute of limitations set forth in O.R.C. § 1109.69(f) applies. In reply, defendants claim that the six-year statute of limitations set forth in O.”
Hull v. Charter One Bank, 2013-Ohio-2101. “See R.C. 1109.69. {¶18} Moreover, under Civ.R.”
Ohio Rev. Code § 1109.69(A): 6 cases
Spiller v. Sky Bank-Ohio Bank Region, 2009-Ohio-2682, 910 N.E.2d 1021. “] When an action on an account against a bank is based on or depends on the contents of records that the bank is required to maintain, the action must be asserted within the time provided by R.C. 1109.69 for retention of those records, even when the account at issue is an…”
Capital One Bank (USA), NA v. Reese, 2015-Ohio-4023. “Henry suggests that the action herein is time barred by application of R.C. 1109.69. That statute requires banks to maintain certain records for either one or six years.”
Paul v. PNC Bank Natl. Assn., 2022-Ohio-672. “Second and Third Assignments of Error {¶10} In his second assignment of error, Paul argues that the trial court erred in granting summary judgment because it improperly applied R.C. 1109.69 and the relevant case law, and improperly applied the summary-judgment standard.”
Brentlinger v. Bank One of Columbus, N.A., 782 N.E.2d 648 (Ohio Ct. App. 10th Dist. 2002). “{¶ 25} “The trial court erred by holding that R.C. § 1109.69 was applicable to this case by reason of defendant-appellee to comply with Evidence Rule 803.”
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Ohio Rev. Code § 1109.69(A)(1): 1 case
Sandeep & Payal, Inc. v. Richmond, 2014-Ohio-76. “{¶ 13} R.C. 1109.69, which is captioned "Retention of records," states in relevant part: (A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: (1) For one year: *** (i) Deposit tickets relating to…”
Ohio Rev. Code § 1109.69(A)(1)(h): 1 case
Capital One Bank (USA), NA v. Reese, 2015-Ohio-4023. “Henry suggests that the action herein is time barred by application of R.C. 1109.69. That statute requires banks to maintain certain records for either one or six years.”
Ohio Rev. Code § 1109.69(A)(1)(i): 1 case
Sandeep & Payal, Inc. v. Richmond, 2014-Ohio-76. “{¶ 13} R.C. 1109.69, which is captioned "Retention of records," states in relevant part: (A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: (1) For one year: *** (i) Deposit tickets relating to…”
Ohio Rev. Code § 1109.69(A)(2)(b): 1 case
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Ohio Rev. Code § 1109.69(A)(2)(c): 2 cases
Brentlinger v. Bank One of Columbus, N.A., 782 N.E.2d 648 (Ohio Ct. App. 10th Dist. 2002). “{¶ 25} “The trial court erred by holding that R.C. § 1109.69 was applicable to this case by reason of defendant-appellee to comply with Evidence Rule 803.”
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Ohio Rev. Code § 1109.69(B): 1 case
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Ohio Rev. Code § 1109.69(E): 4 cases
Spiller v. Sky Bank-Ohio Bank Region, 2009-Ohio-2682, 910 N.E.2d 1021. “] When an action on an account against a bank is based on or depends on the contents of records that the bank is required to maintain, the action must be asserted within the time provided by R.C. 1109.69 for retention of those records, even when the account at issue is an…”
Brentlinger v. Bank One of Columbus, N.A., 782 N.E.2d 648 (Ohio Ct. App. 10th Dist. 2002). “{¶ 25} “The trial court erred by holding that R.C. § 1109.69 was applicable to this case by reason of defendant-appellee to comply with Evidence Rule 803.”
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Sandeep & Payal, Inc. v. Richmond, 2014-Ohio-76. “{¶ 13} R.C. 1109.69, which is captioned "Retention of records," states in relevant part: (A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: (1) For one year: *** (i) Deposit tickets relating to…”
Ohio Rev. Code § 1109.69(F): 6 cases
Spiller v. Sky Bank-Ohio Bank Region, 2009-Ohio-2682, 910 N.E.2d 1021. “] When an action on an account against a bank is based on or depends on the contents of records that the bank is required to maintain, the action must be asserted within the time provided by R.C. 1109.69 for retention of those records, even when the account at issue is an…”
Paul v. PNC Bank Natl. Assn., 2022-Ohio-672. “Second and Third Assignments of Error {¶10} In his second assignment of error, Paul argues that the trial court erred in granting summary judgment because it improperly applied R.C. 1109.69 and the relevant case law, and improperly applied the summary-judgment standard.”
Capital One Bank (USA), NA v. Reese, 2015-Ohio-4023. “Henry suggests that the action herein is time barred by application of R.C. 1109.69. That statute requires banks to maintain certain records for either one or six years.”
Brentlinger v. Bank One of Columbus, N.A., 782 N.E.2d 648 (Ohio Ct. App. 10th Dist. 2002). “{¶ 25} “The trial court erred by holding that R.C. § 1109.69 was applicable to this case by reason of defendant-appellee to comply with Evidence Rule 803.”
Ohio Bureau of Workers' Comp. v. Key Bank Nat'l Ass'n, 748 N.E.2d 1189 (Ohio Ct. App. 10th Dist. 2000). “R.C. 1109.69 defines what records banks must preserve and how long those records must be retained: “(A) Every bank shall retain or preserve the following bank records and supporting documents for only the following periods of time: "* * * “(2) For six years: «* * * “(b)…”
Ohio Rev. Code § 1109.69(f): 1 case
Ray v. Ogle, No. 1:22-cv-01265 (N.D. Ohio May 17, 2023). “In response, plaintiff argues that the one-year statute of limitations set forth in O.R.C. § 1109.69(f) applies. In reply, defendants claim that the six-year statute of limitations set forth in O.”
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