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PERSONAL BANKING

Personal Banking Benefits
Overdraft Protection
Bounce Protection
Direct Deposit


Overdraft Protection
At Oxford Bank, we try to make life a little easier for our customers. That's why we offer automatic Overdraft Protection for your Oxford Bank checking account. This helpful feature protects you against the inconvenience of returned checks and overdraft fees. Our Overdraft Protection service is a revolving line of credit and includes these features:

  • No annual fee
  • No monthly fees
  • Automatic payment from your checking account
The approval process is simple and fast.

Visit one of our branch locations or call 248-969-7222 for more information. 



Bounce Protection
In addition to Overdraft Protection, Bounce Protection is an overdraft privilege requiring no action on your part. As long as you maintain your account in good standing, Oxford Bank may honor overdrafts* up to the Bounce Protection limit on your account.

Bounce Protection Limit
   Personal Checking  $400
   NOW  $1000

* Oxford Bank's normal non-sufficient funds (NSF) fee of $30 for each transaction will be deducted from your limit. You will receive an overdraft notice in the mail each time an item is overdrawn (check and other debits cashed at teller windows). VISA debit cards, ATM transactions, ACH debit transactions, checks issued by a third party, and all transactions that are currently honored through your account that may cause you to be overdrawn are paid or returned by Oxford Bank. Based on your account history, we may elect to pay or return checks written by you which exceed your balance. You may not exceed your Bounce limit. You must bring your account to a positive balance once every 30 days. Not offered on College Vision accounts.

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


Direct Deposit Makes Your Life Easier
If you have elected to have your payroll, social security, pension, or other recurring payment automatically deposited to your checking account, you may qualify for special account benefits. For more information, please ask about our direct deposit options.

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