General Questions


What types of accounts do you offer?

We offer a wide variety of competitive checking, savings, money market, certificates of deposit (CDs) and individual retirement accounts (IRAs).

What is a 1099 form and when can I expect to receive it?

A 1099-Int form is used by financial institutions to notify customers the amount of earned interest reported to the Federal government. If the amount of interest earned by a customer is less than $10, a 1099-Int form is not required. Banks are required to mail their 1099-Int forms to their customers by January 31st for interest paid in the prior year. This form should be presented to your tax preparer.

When do I receive a statement on my account?

Monthly statements are provided to customers with checking, savings and/or money market accounts. Statements on IRA's are sent annually at year-end. Customers with certificates of deposits are not sent statements, though they do receive a notice when interest has been paid on their account or prior to the account maturing. Customers with multiple accounts at Oxford Bank may be eligible to receive a combined statement. This offers you the convenience of getting all your account information at one time.

How do I notify the Bank of a change of address?

You may contact your nearest branch, or fill out the Change of Address Form and mail to Oxford Bank, at:

Oxford Bank
P.O. Box 17
Oxford, Michigan 48371
ATTN: Personal Banking

What should I do if my checkbook, deposit/withdrawal slips, ATM/MasterCard Debit Card or statement are lost or stolen?

You should notify us IMMEDIATELY by contacting your nearest branch, or call 248-628-2533.

How can I get a copy of a check (deposited item or statement) on my account?

You may request a copy of a check (deposited item or statement) by contacting your nearest branch.

How can I order more checks (withdrawal or deposit slips) for my account?

You may reorder supplies by contacting your nearest branch, or online using Oxford Bank's preferred provider Deluxe.


.BANK Domain Change


What is .Bank?

.Bank is a gate domain, like .gov or .edu, but for verified banks. Replacing .com, which can be purchased by anyone, .Bank quickly verifies that the website or email is authentically from our bank, so you can interact with confidence when you see the '.Bank' at the end of our email address and website URL.

How is .Bank more secure?

All banks are verified and authenticated by fTLD , the .BANK administrator, prior to registering their.BANK domain, and re verified annually thereafter. This ensures everyone using a .BANK domain is an eligible organization. Hackers and bad actors can’t get a .BANK domain to create lookalike domains for phishing and spoofing, as they can in ‘.com’ and other publicly available domains.
With the ‘.BANK’ visual authentication cue in place you can quickly confirm emails and websites of ours are real, and avoid interactions that could lead to identity theft and financial fraud. This authentication is also an additional layer of protection for internal and vendor communications, helping to secure against potential breaches.
All banks within the .BANK domain must also implement additional Security Requirements to help secure their sites and email, and protect them, their vendors and their customers from phishing, spoofing and other cyberattacks. All banks using .BANK are monitored for compliance with these security requirements on an ongoing basis.

Do I need to do anything differently now that you're in .Bank?

Our email addresses and website URL now end in .BANK. From now on, before interacting with emails from us, and before you enter your username and password on our website, simply look for the ‘.BANK’ to authenticate the email or website is ours.
Our .com email addresses are forwarding to our new .BANK email addresses, and our .com website redirects to our new .BANK site, but over time you should update your address book and bookmark for our site.

You're the first '.Bank' I've seen, why haven't all other banks moved?

The move to .BANK is a business decision every bank must make, and plan for, based on its priorities and resources. We decided it was a priority for us to enhance our security and provide our customers with an easy way to authenticate our email communications and website.

Will my bookmarks or direct links to be removed?

No, all existing bookmarks and links to will still work after the change to .BANK.


Cash Management


I don’t see a bill pay option on my Dashboard. How do I access my business bill pay?

To access business bill pay, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the ‘Bill Pay’ tab to process payments. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

How do I manage my users?

To manage users, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to manage your users. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

 How do I initiate an ACH template?

There is a feature in the menu options titled ‘Approve ACH’ to initiate an existing ACH batch that does not require changes to the dollar amount of the batch. Should you need to make changes to the dollar amounts, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to initiate and manage your ACH transactions. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

Note: You must have ACH Capture enabled. To enable this feature, please contact [email protected]

How do I initiate a Wire Transfer?

There is a feature in the menu options titled ‘Approve Wire’ to initiate and approve a wire transfer template or to approve a wire transfer once it has been initiated if it is a new beneficiary or one-time wire. Should you need to add a new beneficiary, edit an existing template, or initiate a one-time wire, click on the ‘Cash Management’ tab in the menu option.

From there you’ll see the screens initiate new wire transfers or edit your existing templates. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

Note: You must have wire capabilities enabled. To enable this feature, please contact [email protected]

How do I upload a positive pay file and decision positive pay exception items?

To access positive pay functions, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to manage positive pay. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

Note: You must have Positive Pay capabilities enabled. To enable this feature, please contact [email protected].




What types of checking accounts do you offer?

Oxford Bank has a variety of checking options to meet your needs. For example: We offer both interest and non-interest bearing accounts. Other options include checking accounts that use your balances in other Oxford Bank accounts to offset charges, as well as offer additional banking benefits and conveniences. We are eager to help you select the account that is right for you. Visit Checking Accounts or contact us

Can I earn interest on my checking account?

Oxford Bank offers a number of different checking accounts that earn interest.

What should I do if I lose a check or it is lost in the mail?

You should notify us IMMEDIATELY by contacting your nearest branch office.

Do I get my checks back in my statement?

Oxford Bank offers many checking accounts that return your checks with your statement.

If I accidentally write a check and there is not enough money in my account to cover it, what happens?

If a check is presented for payment against an account with insufficient funds, the check will be returned, unless there are funds in an Overdraft Protection line of credit account or your account has Bounce Protection. An insufficient funds charge may apply.

How do I stop payment on a check or a pre-authorized check?

To place a stop payment, you may contact your nearest branch. A stop payment fee will apply.


Credit Cards


What type of credit cards can I apply for at Oxford Bank?

Oxford Bank offers a variety of credit card options through our partnership with Elan Financial Services. For more information about the credit card services that Oxford Bank offers, stop by your nearest Oxford Bank branch location or email us.

Does Oxford Bank offer credit cards for small businesses?

Check with your Oxford Bank branch office to find out more about Business Credit Card options for small businesses.


Debit and ATM Card


How does a MasterCard Debit Card differ from a credit card?

MasterCard Debit Card withdraws money directly from your checking account with no annual fees or finance charges, whereas a credit card is a loan against a pre-determined line of credit. 

How does a MasterCard Debit Card differ from an ATM card?

An ATM card can be used to withdraw money from an ATM or purchase items at a merchant with a PIN pad, whereas a MasterCard Debit Card can be used exactly like an ATM card, but can also be used anywhere credit cards are accepted. In addition, the daily purchase limits are higher with a MasterCard Debit Card.

What are the benefits of using a MasterCard Debit Card?

MasterCard Debit Cards are accepted anywhere credit cards are accepted, including online or placing orders over the phone. There is no need to carry a checkbook or wait for check approval. It is possible to receive cash back at a merchant with a PIN pad. All of your withdrawals and purchases will show up in detail on your bank statement.

What does it cost to have a MasterCard Debit Card?

MasterCard Debit Cards (debit cards) are issued to customers free of charge. While you may incur some fees for using your card at non-Oxford Bank locations, you will not be charged a fee if you use your card at an Oxford Bank ATM location or you use it to purchase goods or services at a merchant location that accepts the card.

Can anyone with an ATM card upgrade to a MasterCard Debit Card?

A MasterCard Debit Card must be associated with a checking account and cannot be issued for savings accounts. A current customer must be in good standing with Oxford Bank in order to upgrade to a MasterCard Debit Card.

How can a MasterCard Debit Card be used?

There are three ways to use a MasterCard Debit Card:

To make purchases anywhere credit cards are accepted, select the "credit" option; sign the receipt just as you would when using a credit card; the amount of the purchase will be deducted automatically from your checking account.

To receive cash back at the time of purchase:

  • Select the "check" option
  • Enter your PIN number
  • Select the amount of cash you would like back

The amount of the purchase AND the amount of the cash back will be deducted automatically from your checking account.

To withdraw cash or make deposits at an ATM, use your MasterCard Debit Card at more than 600,000 ATMs worldwide by entering your PIN; the withdrawal or deposit amount will be deducted or added automatically to your checking account.

Note: There is no ATM service charge to use any Oxford Bank ATM if you are an Oxford Bank customer using an Oxford Bank MasterCard or ATM card.

After I have requested my MasterCard Debit Card, when can I expect to receive it?

MasterCard Debit Card (debit cards) are usually received by customers within 7-10 business days from the date of order.

I just received my MasterCard Debit Card and it says I need to activate it. How do I do this?

For security reasons, we require that you activate your MasterCard Debit Card. Activation requires that you use your card just one time at any ATM or merchant that processes transactions requiring a PIN number. Once you do just one transaction with your PIN, your MasterCard Debit Card can then be used at any merchant location that accepts credit cards. 

Should I sign the back of my MasterCard Debit Card?

Yes. For your protection, never leave the signature panel on the reverse side of your card blank. When a transaction is performed at a merchant location, merchants will compare the signature on the back of the card against the sales receipt. If you neglect to sign your card and you should lose it, someone could find it and sign it themselves, in which case the signature on the receipt would match the signature on the card and the merchant would approve the transaction. Also remember that cards are not valid until they are signed.

I would like to change my Personal Identification Number (PIN) on my ATM or MasterCard Debit Card. What do I need to do?

Visit any of our branch locations to change your PIN number. Once your new PIN number has been selected, you can use it immediately.

What should I do if my ATM or MasterCard Debit Card is not working?

Visit your nearest branch location.

 What should I do if I lose my ATM or MasterCard Debit Card?

Notify us IMMEDIATELY so that we can restrict your card and protect your account. You have the option of visiting your nearest branch location or calling 800-335-1064.

If I notice charges on my account for ATM or MasterCard Debit Card transactions that I do not recall performing, or they are for an amount different than what I authorized, what do I do?

If you notice erroneous charges on your account relating to ATM or MasterCard Debit Card transactions, you must notify us in writing within 60 days from the statement date that the transactions appeared. Upon receipt of written notification, we will promptly investigate the matter. While our investigation could take between 45-90 days to complete, we will ensure that a temporary credit is issued to you within 10 business days while we investigate. 

Can I have more than one ATM or MasterCard Debit Card?

No. For your protection, we will issue you only one ATM or MasterCard Debit Card depending on the type of accounts you have with Oxford Bank. However, if accounts are shared, each customer can have their own ATM or MasterCard Debit Card. If your ATM or MasterCard Debit Card should become damaged, please contact us and we will promptly reissue you a new card.

Are there any withdrawal or purchase limits associated with my ATM or MasterCard Debit Card or ATM card?

Each day, you may withdraw a maximum of $500 cash using your MasterCard Debit Card or $500 per day with your ATM card. Additionally, with your MasterCard Debit Card you can purchase up to $2500 of merchandise at any merchant that accepts MasterCard.


Home Equity Loans


How long does it take to get a home equity loan with Oxford Bank?

Oxford Bank strives to complete the entire home equity loan process as quickly as possible. Generally speaking, it takes approximately ten business days from start to finish. Your experience may vary, depending on the complexity of your loan.

What do I need to get started with applying for a home equity loan?

Simply call the Oxford Bank Mortgage Center at 248-969-7229 to get your application started. A knowledgeable loan representative will guide you through the application process and work to get your loan approved and closed as quickly as possible.

How do I calculate the available equity in my home?

Oxford Bank offers home equity loans and lines of credit up to 90% of loan-to-value. To figure out how much equity you have, use the following formula:

Appraised Value $

Minus Outstanding Mortgage(s) -

Equals available equity =$

What is the difference between a fixed rate, fixed term home equity loan and a home equity line-of-credit?

A fixed rate, fixed term home equity loan is a specific dollar amount borrowed for a specific period of time. The borrower cannot add on to the loan and must repay the agreed upon monthly payment until the loan is paid in full. A home equity credit line provides a revolving source of funds for all your borrowing needs. With a credit line, you may access and repay your credit line, up to its limit, as often as you want, up to maturity.


Intuit Financial Software or Third-Party Aggregators


Does Oxford Bank offer connections with Intuit financial software, Quicken or QuickBooks?

Yes, if enrolled for Online Banking, you can connect to your personal accounts through Quicken financial management software—or if you are a business, through QuickBooks account management software. 

What is the difference between Web Connect and Direct Connect?

Web Connect allows you to download your transactions directly from within Online Banking and import them into Quicken / QuickBooks. Direct Connect allows Intuit to connect directly to your Univest accounts on your behalf. You do not have to manually sign in to Online Banking and manually download transactions. It is a two-way connection that can be used for paying bills and transfers from within the Intuit product.

How do I connect to Quicken or QuickBooks?

When activating through the software, search for ‘Oxford Bank’ to use Web Connect or ‘Oxford Bank-DL’ to use Direct Connect. You will be required to enter your Online Banking username and password, and then select the accounts to be linked. 

I am unable to connect my accounts with Quicken / QuickBooks, who should I contact?

If you were previously connect to Oxford Bank with Quicken or QuickBooks, you may need to disconnect and reconnect to re-establish connectivity.  Below are helpful links on how to do this.

Questions about Intuit products and features should be directed to Intuit support: 1-800-446-8848. 

Will my third-party aggregators, such as Mint, Acorn, etc., still be able to access my online banking accounts?

If this connection is not working properly, please inform your provider that you are having issues so they can work to correct it on their end.


iPay Online Bill Pay


What is iPay?

IPay Online Bill Pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use. 

Who can I pay with iPay?

You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.

How do I enroll in iPay?

It’s easy to enroll in iPay Online Bill Pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form. 

How do I start using iPay?

The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:

  1. Log in to your account and click the "Bill Pay" link.
  2. Click the "Add a Payee" button on your home page dashboard.
  3. Enter the requested information. Typically this information can be found on your latest bill statement.

Once you add your payee, you can start making payments in seconds.

How do I make payments with iPay?

  1. Find your payee on the payments dashboard.
  2. Enter the payment amount and date, then submit. 

How are online payments delivered?

Payments are sent one of two ways — electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.

Is iPay secure?

Paying bills online is one of the safest ways to pay your bills. IPay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity. 

How long does it take before my payment is received?

Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check. 

How are the scheduled payments processed with iPay?

Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.

What are the primary benefits of iPay?

Here's a quick list of the many ways you can benefit from using iPay.

  1. Save time. With iPay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
  2. Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
  3. Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
  4. Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
  5. Help the environment by saving paper. With iPay, there are no checks to write or envelopes to mail. That's good news for you and the environment.

*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.

What is eBill?

eBill is a feature that allows you to receive and pay electronic summary versions of paper bills directly from your iPay account.

How do eBills work?

eBills are delivered directly to your iPay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.

Will I still receive paper statements when I have eBill?

You will also continue to receive paper bill statements unless you contact the payee to stop sending those statements. 

How will I know if eBill is available for a payee?

If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your iPay dashboard. 

What are the primary benefits of eBill?

With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill summaries at a glance.

What information is included in an eBill?

Balance due, due date and minimum payment amount are included in your eBill. If you need additional details, there will be a link that lets you log in to your account on your payee's website, or you can check your paper statement.

How do I pay an eBill?

To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered. 

How do I know when I have received an eBill?

You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.




What types of auto loans are available at Oxford Bank?

Oxford Bank offers a variety of rates and terms on new and used car loans. To apply for a car loan, please visit the Oxford Bank location nearest you.

What other loans can I find at Oxford Bank?

Oxford Bank offers the following options:

  • Mortgage Loans
  • Home Equity Loans
  • New and Used Auto Loans
  • Boat, RV and Motorcycle Loans
  • Credit Cards
  • Overdraft Protection
  • Business Loans
  • Misc. Equipment Loans

If you don't see a particular category for the loan you seek, please contact your Oxford Bank branch.


Managing Your ATM and Debit Card


What controls are available for managing my ATM and debit card?

Under Card Management on your Dashboard, you will have more access and control for your Oxford Bank ATM and debit card:

  • Report a card lost or stolen
  • Turn your card on or off
  • Add and remove travel notices
  • Reorder and activate a new card

How do I report a lost or stolen card?

To report a lost or stolen card, log in to your Online Banking account and click on the applicable card in the “Card Management” area of your Dashboard. Select ‘Report lost/stolen’ and indicate the appropriate option.

Can I lock my ATM and debit card from being used for a period of time?

Yes. Within Card Management, simply select the card you want to lock and toggle the switch. Transactions will be denied, but recurring payments may continue. Any credits or deposits to the card will also be allowed.


Mobile App


Are there device requirements to access the mobile app?

Yes, the mobile app is compatible with iPhone and iPad devices running iOS version 11 or newer, and Android phones and tablets with version 5.0 or newer. Devices must have access to the internet. 

How much does the Oxford Bank Mobile app cost?

There are no fees to download and use the Oxford Bank Mobile app; however, connectivity and usage rates may apply. Contact your wireless service provider for more details.

Do I use the same user ID and password for the mobile app as I would for online banking?

Yes, you will use the same user ID and password that you use to log into online banking.

If I forgot my password, can I reset it within the app?

Yes, you can easily reset your login credentials by clicking on the ‘Forgot?’ link on the mobile app.

 How do I sign out of the mobile app?

You will automatically be signed out once you swipe or close the app. Each time you access your app, you will be required to enter your passcode, use your fingerprint or utilize the facial recognition feature in order to log in again.

Can I pay bills or a person in the app?

Yes, you can easily add payees, edit payees, and submit payments using the app.

 Is there a fee to use mobile deposit?

No, mobile deposit within the Oxford Bank Mobile app is free. 

Are there any limitations with using mobile deposit?

Yes, there are daily and monthly limitations to the number and dollar amounts that can be deposited through a mobile device. Contact us at (248) 628-2533 for specific details. 

When I make a mobile deposit, why doesn’t the app automatically take a picture?

The auto capture feature is not currently available, but we are actively working to offer this as soon as possible. When taking pictures of a check, make sure you're in a well-lit area and the check is placed on a darker surface for contrast. Please remember to include, "For Mobile Deposit Only" on the back of the check.




I want to buy my first home, but I am unsure what to do first?

There are several steps you should take:

Look at your own financial situation. Establish a good credit history by paying your bills by the due dates - including your rent. Use credit sparingly and do not charge credit cards up to the limit. Try to save money for a down payment and closing costs. Oxford Bank has several first-time home buyer programs that need very little money down; however, you should always have some cash in reserve to handle emergencies, moving expenses, turning on utilities, etc.

Decide how large of a house payment you feel comfortable paying each month. This generally gives a good starting point in pre-approving you for a mortgage.

Make an appointment to visit an Oxford Bank loan representative for pre-approval consideration. We will be glad to analyze your individual financial position, assist in determining your maximum mortgage, and put you in the right direction for home ownership.

How long do I have to be on my job?

There is no mandatory time to be on a job. However, you must show income stability to handle the future mortgage payments. In underwriting a mortgage, emphasis is given to the last two years with no gaps in employment over 30 days. If you are self-employed, two year's tax returns should be available.

What is a sales contract?

This is a legally-binding agreement between buyer and seller which, when accepted by all parties, confirms the purchase price of the property. Usually the buyer places a small amount of money in deposit as good faith (called "earnest money"). Do not sign any sales contract unless you have reviewed it carefully and perhaps even had it reviewed by an attorney. A contract is often contingent upon many things, such as mortgage loan approval, inspections of well and/or septic systems, satisfactory building inspection and termite inspection. You should make sure your rights are protected.

Do I really need a building inspection?

If you are buying a new home, you will have warranties on the roof, furnace, air conditioning, etc., and your own inspection of the home may be sufficient. However, the older the home, the more that can be wrong with it. Care should be taken to inspect the following:

  • The foundation for cracks and leaks
  • The roof should have 3 to 5 years of remaining life
  • The plumbing should meet local code with no leaks
  • The heat ex-changer in a gas furnace should not be cracked
  • The electrical service should be adequate

What does the term "fixed-rate" versus "adjustable rate" mean?

Fixed-rate mortgage has the same total principal and interest payment (P&I) every month. In addition to that amount, a monthly installment of taxes, insurance, and private mortgage insurance will be added to create the total monthly mortgage payment. An adjustable-rate mortgage allows the interest rate charged to go up or down depending on market conditions. There are usually caps placed on the rates to provide the borrower protection against the rate going up too high. Because of the interest rate changes, the principal and interest amount can change at certain intervals set established in the mortgage. These loans tend to have a higher rate of risk. You have the chance that the payment may go down, but you have the same chance the payment may increase.

With a fixed rate loan, can my payment ever change?

Yes, while the principal and interest stay the same, your taxes and insurance paid monthly will change according to tax assessments and increases in homeowner's insurance costs.


Online Banking


What you need to know

Here’s what you need to know:

  • Your username and password for online and mobile banking will stay the same.
  • Our mobile app will automatically ask you to download the new version, called Oxford Bank Mobile.
  • If you use bill pay, your existing bill payments and payees will automatically appear in the new system.
  • All consumer retail alerts will need to be re-established once the new Online Banking site is launched. Your current alerts will not automatically carry over.

Signing in for the first time

Online Users:  Click on the Account Login button on our home page to get started.

Mobile App Users:  You will be automatically prompted to download the new Oxford Bank Mobile app from the App Store or Google Play.

All Users:  

  • Enter your existing Username and Password to sign in.
  • Enter your email address and a phone number where you can receive a text or phone call to obtain a verification code.
  • Select how you would like to receive your verification code from one of three options.
  • Enter the 7-digit verification code received and click Verify.
  • Review the User Agreement and click Accept.
  • You will be taken to your new Dashboard to begin your new online banking experience!

What browsers are supported?

  • We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*.
  • Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform. 

To download the latest browsers, click the links below:

*Safari is not available for Windows access. To find out more information, visit:

If I have multiple Online Banking accounts will I have to log in to each account with the usernames and passwords for each account separately?

With our new mobile app, you can sign into multiple user profiles and quickly switch between them using a PIN instead of entering a username and password. If you add more profiles to your mobile app, you will need to set up two-factor authentication (2FA) for each of them.

How do I add additional login profiles to my mobile app?

  • From the top of the menu bar press the person icon next to your profile name.
  • Select Add profile.
  • Sign in to the second profile.
  • If prompted, answer the security question. If not, continue to the next step.
  • If prompted, complete the profile information in the form, and then select Done.
  • Enter a PIN for the new profile.
  • Confirm the PIN for the new profile.

How do I switch between profiles on my mobile app?

  • From the top of the menu bar press the switch icon next to your profile name.
  • Select the profile you wish to log into.
  • Enter the PIN or use the fingerprint authentication if prompted.

Navigating your dashboard

After successfully signing in, the first screen you see is your “Dashboard.” A list of your accounts is presented at the top. To view all accounts on one screen, select “View All.” Beneath your account listing, Quick Actions are presented (Transfer, Pay, Deposit, Message). Under the Quick Action icons you will find Transactions, Payments, Transfers, Card Management, etc.

Can I reorganize my dashboard?

Yes, at the bottom of the dashboard, click “Organize dashboard” to drag and drop, delete or add information.

The dashboard activity displays transactions from all my accounts. How can I find account-specific information?

Simply click “Transaction” for the specific account you want to review.

How do I set up an account alert?

Select the account you would like to add an alert to and then select “Alert preferences.” You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.

Why are transactions labeled as pending?

Transactions appear as pending until they are completely processed.

Can I view my statements?

Yes. To view your statements, choose the account you’d like to review and select “Documents.” If you are currently not signed up to receive statements, you have the option to enroll at the top of the screen.

Will my bill payees and scheduled payments continue after August 31, 2021?

Yes, all scheduled payments and bill payees will continue to be available.

Will my scheduled or recurring transfers continue after August 31, 2021?

All scheduled and recurring transfers between Oxford Bank accounts will continue.

How do I transfer money between my accounts?

Select the Transfer icon. Then choose the account you want to transfer From and To. Eligible internal and external accounts will be listed. Transfers completed after 7:00 ET pm will be processed on the next business day.

What are the cutoff times for transfers?

You may transfer funds between your Oxford Bank accounts any day, any time. External, or Bank-to-Bank, transfer cutoff time is 7 p.m. ET each business day. 

Can I add a memo line to a transfer?

A memo line can be added to an immediate transfer. It cannot be added to recurring or future-dated transfers.

Why am I unable to add a memo to recurring or future-dated transfers?

Memos are not an option for recurring or future-dated transfers; however, you can add a “tag” to transactions that will appear after the transfer posts to your account.

How do I make a loan payment?

Select the Transfer icon and choose the checking or savings account you want to make your payment from. Then select your loan account to transfer to. To schedule a recurring payment, select “More Options” to schedule frequency and date. Transfers completed after 7:00 p.m. ET will be processed on the next business day.

Can I set up automated loan payments?

To schedule a recurring payment or a future-dated payment, select “More Options” to schedule frequency and date.

How can I view an estimated payoff for my loan?

An estimated payoff is shown in the Account Details. This payoff estimate may not include additional fees and other charges that have accrued, such as escrow. For a final payoff amount, please contact Loan Servicing at (248) 693-7473.


Overdraft Protection


What does Oxford Bank provide in the form of checking account overdraft protection?

For peace-of-mind and the ultimate in convenience, Oxford Bank offers checking account customers the opportunity to apply for an Overdraft Protection line of credit. This credit line kicks in when your checking account reaches a zero balance. It provides the ability to write a check for more than your cash balance and the opportunity to write your own loan check when and where you need it most.

Oxford Bank also offers Bounce Protection which is an overdraft privilege requiring no action on your part.

With no paperwork to sign, your Bounce Protection will be automatically assigned. As long as you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), Oxford Bank may honor overdrafts up to the Bounce Protection limit on your account. The bank's normal non-sufficient funds (NSF) fee (see current Fee Schedule) for each transaction will be deducted from your limit. You will receive an overdraft notice in the mail each time overdraft items are paid.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you opt in to the payment of overdrafts for the following transactions:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Oxford Bank pays my overdraft?

Refer to our latest Fee Schedule for overdraft fees

What if I want Oxford Bank to authorize and pay overdrafts on my ATM and one-time debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and one-time debit card transactions, call (248) 628-2533 or complete the Overdraft Services Consent Form and present it any of our branch locations or mail it to:

60 S. Washington St.
P.O. Box 17 Oxford, MI 48371
Attn: Retail

We will give you an executed copy to retain for your records.

If at anytime you decide to revoke your authorization to pay overdrafts, you may contact us at (248) 628-2533, visit us at a branch or send a letter to the above address.


Savings & Money Market


What savings accounts do you offer?

Oxford Bank offers a variety of ways for you to invest and watch your money grow.

How much do I need to open an account?

Savings accounts can be opened with as little as $25 and money market deposit accounts can be opened with a minimum of $1000.

Can I write checks on my savings account?

If you are looking for the convenience of writing checks against a savings account, a money market deposit account has limited check writing privileges.

Can I have an ATM or MasterCard Debit Card with a savings account?

Only ATM cards may be issued to a customer with a savings account.


Telephone Banking


How can I reach a Representative?

Our Personal Bankers can be reached by contacting any one of our branches for assistance. You can reach us whatever way you find convenient. Contact us by phone or come visit us at a local branch.

When can I reach a Representative?

See our locations and hours page.

What Telephone Banking services do you provide?

Our customers can transfer money between accounts, get balance and transaction information, obtain rate and product information, and get loan payment information. For more information, visit our Telephone Banking page, stop in one of our branch locations.


Two-Factor Authentication


What is two-factor authentication (2FA)?

Two-factor authentication is a security feature that helps safeguard your account information. To implement 2FA, you will need to enroll an email address and a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code: 1. Text message to the mobile phone entered, 2. Automated phone call to phone number entered, or 3. Authenticator App (download the Authy app here).

After entering the verification code, if you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer. 

How does the phone call verification process work?

If you select to receive a phone call (cell phone or landline), you will enter a single specific digit, as directed, before the verification code is provided.

If you do not answer the phone call, please note that a second call will not be made automatically and the system will not leave codes on voicemail. Therefore, if you do not answer the authentication phone call, you will need to select the option to have the code re-sent. (Note: The “from” phone number may be listed as coming from anywhere in the US) 

What should I do if I did not receive a verification code to continue with the two-factor authentication enrollment?

Please be sure the phone number you entered is correct. If it needs to be changed, contact us at (248) 628-2533. 

How much time do I have to enter the verification code?

Codes are valid for up to six minutes and will expire after that time. 

Can I lock myself out from entering an incorrect verification code?

Yes, you can get locked out of the enrollment process if too many attempts are made with an incorrect verification code (more than six times in a single hour). There is no manual reset for this; you will need to wait an hour to try again following your first attempt. If you make more than 20 unsuccessful attempts in a 24-hour period, your login will be 'Suspended' and you will not be able to attempt again for 24 hours. If you have questions or need additional assistance, please contact us at (248) 628-2533. 

If I selected “Remember this computer,” why am I being asked for a verification code each time I log in?

There are several reasons you may be prompted for a verification code:

  • if you log in on different browsers
  • if you deleted your browser history
  • if you have your browser settings set to delete your cookies and history automatically

Can I receive the two-factor authentication verification code via email?

No, this option is not available. The code can be received using one of the following options:

  • Text message
  • Phone call
  • Authy App (A third-party app that generates a one-time passcode. To register you will need an email address and phone number.)

How can I reset my two-factor authentication enrollment?

You can reset your own two-factor authentication enrollment in both the app and online by going to your Profile page, then select ‘Security’ within the ‘Settings’ area.



FAQs Revised 07/06/2023