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PERSONAL BANKING - Checking Accounts

Checking Account Options
To properly manage your personal finances Oxford Bank provides you the following flexible checking account options:

Regular Checking Account
Our regular checking account provides you with the convenience of having check-writing privileges with no service charges if a minimum balance of $300 is maintained during the statement period. Otherwise, fees may apply.

NOW Checking Account
The Oxford Bank NOW checking account keeps your money working for you by earning interest on your account balance. The higher your balance, the higher your rate of interest. Service charges do not apply to NOW checking accounts as long as a $500 or greater minimum balance is maintained during the statement period. Otherwise, fees are charged.

Money Market Checking Account
The Oxford Bank Money Market Checking account (MMCA) keeps your money working for you by earning interest on your account balance. The higher your balance, the higher your rate of interest!

The interest on your account is compounded monthly, and the interest rate and annual percentage yield can change. The minimum balance to open the account is $1000. Up to six (6) transactions are allowed per statement cycle.

College Vision Account 1
The College Vision Account is a non-interest bearing personal checking account with no minimum balance requirements designed to accommodate the special banking needs of students.2 The Oxford Bank College Vision Account offers the following features:

  • No monthly statement fees
  • One free box of pre-printed checks3
  • No per check charges up to 15 checks per month (each check over 15 will have a $0.25 charge accessed)
  • Free ATM or VISA Check Card (transactions at an Oxford Bank ATM are free; transactions using other banks' teller machines incur a $1.00 fee plus whatever other fees that bank may charge).
  • No annual fee VISA Credit Card, subject to credit approval and parental co-signer. Credit limit begins at $500.

1 Not eligible for Bounce Protection
2 Graduating seniors under the age of 18 will be required to have a parent or legal guardian as co-owner of the account.
3 Selection limited to basic check styles. Other check styles available at listed prices.

Personal Banking Benefits
To enhance the convenience and performance of your Oxford Bank checking account, we offer the following services:

Overdraft Protection
Bounce Protection
Direct Deposit

You may reorder checking supplies by visiting your nearest branch or online using Oxford Bank's preferred provider Harland Clarke

Visit one of our branch locations or call 248-628-2533 for more information. 

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