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

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.

*Selection limited to basic design check style. Other check styles available at listed prices.
** Selection limited to single-signature checks. Dual signature and foreign currency Travelers' Cheques available at market rates.