Oxford Bank - Banking Services Guide






We know providing the best banking experience comes from building long-lasting relationships with you and the communities we serve. That’s what we’ve been striving to do since our inception on June 17, 1884. Over the years, we’ve learned a thing or two about what it means to have a friend you can bank on. We go beyond providing quality products to help you achieve your financial goals. We strive to offer a personalized approach, community involvement and innovative, convenient services that meet our customers wherever you are. Technology sure has changed since our humble beginnings, but Oxford Bank’s commitment goes far beyond state-of- the-art technology. Your Oxford Bank accounts are equipped with digital tools to securely bank your way, on your time. But, more than that, we provide personal advice and resources for you to best leverage technology to suit your needs. We encourage you to give us a call or stop by any of our locations to talk to our team and learn more about how we make technology work for you. Welcome to Oxford Bank, Oakland County’s oldest community bank.

We are committed to Delivering Value. For Life.

Above and Beyond Banking

Oxford Bank accounts include free: • Online banking • Mobile banking • Bill pay • eStatements • Mobile check deposit

• Interactive Teller Machines (ITMs) • 24-hour telephone banking • Mobile wallet for Apple Pay® and Google Pay™

Other benefits: • Access to GreenPath Financial Wellness services • Financial resources and advice • Unlimited ATM transactions at Oxford Bank-owned machines • Funds are federally insured up to $250,000 • And more!


Our checking options come filled with perks. * It’s not a matter of choosing if, but rather how, you get rewarded.

• No minimum balance requirement • $25 minimum deposit to open • Free eStatements or $5 monthly paper statement fee • Online and mobile banking • Mobile check deposit • Unlimited check writing

Kasasa Cash® Checking

• Free checking that pays high interest

• 4.85% APY** on balances up to $15,000 • 0.71% to 4.85% APY** on balances $15,001 and over, depending on balance in account • 0.05% APY** on entire balance if qualifications aren’t met • Refunds on ATM withdrawal fees nationwide (up to $25 monthly)*** • Link to free Kasasa Saver® to build savings automatically

Kasasa Cash Back® Checking

• Free checking that pays you back • 2.00% cash back on debit card purchases

• No category restrictions • Earn up to $8 monthly

• Refunds on ATM withdrawal fees nationwide (up to $25 monthly)*** • No monthly maintenance fee or minimum balance to earn rewards

To qualify for rewards, just do the following in your Kasasa account during each Monthly Qualification Cycle: • Have at least 12 debit card purchases post and settle • Enroll in eStatements • Enroll and log in to online banking

Your Kasasa account is still free even if you don’t meet the rewards qualifications each month, and you can get right back to earning cash rewards the next cycle you qualify.

Focus Checking Account

• Exclusively for customers age 62 or better • $5 monthly fee, which can be waived with one direct deposit per statement cycle or total banking relationship greater than $1,500 • One-year free safe deposit box rental • Five free cashier’s checks or money orders per month

• One free order of basic checks per year • No minimum balance requirement • $100 minimum deposit to open

*Some checking options are free when qualifications are met. Contact us for details. **APY=Annual Percentage Yield. ***You will receive reimbursements up to an aggregate total of $25 (max $4.99 per single transaction) for nationwide ATM withdrawal fees incurred within your Kasasa account during that Monthly Qualifica- tion Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within 60 calendar days of the withdrawal transaction. When your Kasasa account qualifications are not met, rewards are not given, and ATM withdrawal fees are not refunded. The rewards and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa account on the last day of the current statement cycle. Rates, rewards and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

Please visit our website at oxfordbank.com/bank for full details, qualifications and rewards information for Kasasa accounts. All rates current as of December 1, 2023.


Our checking accounts come equipped with an Oxford Bank debit card that makes shopping easy, safe and secure. • Free Mastercard® debit card accepted around the globe and online • Use your debit card to qualify for rewards with free Kasasa Cash and Kasasa Cash Back checking accounts (see Checking Accounts section for details) • Safer than carrying cash

• More convenient and safer than checks • Eliminate the cost of purchasing checks • 24/7 access to ATMs via the NYCE® and Plus System ATM networks • Easily track your purchases


Whether you’re saving for a special milestone or a rainy day, for tomorrow or years down the road, we have a variety of savings accounts to meet all your big and small goals.

• Avoid the $10 monthly service fee by maintaining a $2,000 minimum average daily balance • Free online banking, eStatements and mobile banking • Federally insured by FDIC up to $250,000***

Kasasa Saver®

• Free account that builds your savings effortlessly • Links to free Kasasa Cash® or Kasasa Cash Back® checking • Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings • No monthly maintenance fee • No minimum balance to earn rewards • Free online banking, eStatements and mobile banking • No minimum deposit to open • Interest-bearing account

Certificates of Deposit (CDs)

• Competitive, fixed interest rate for length of term • Greater earnings than regular savings • Receive higher rates by selecting a longer term • Provides more guarantee than other risky investments • Terms from three months to six years available • No setup or maintenance fees • Early withdrawals subject to penalty • $500 minimum deposit to open • Federally insured by FDIC up to $250,000*** Individual Retirement Accounts (IRAs) • Competitive interest above standard savings rates • Tax advantages to boost your balance** • Traditional and Roth IRA options • No setup fees • No monthly or annual maintenance fees • $5,000 contribution limit per year • Additional $1,000 “catch-up”contribution allowed for ages 50+ • Funds can be used to purchase CDs within IRA • $50 minimum deposit to open See oxfordbank.com for current rates.

Regular Savings Account

• Interest-bearing account • Avoid the $3 monthly service fee by maintaining a $300 minimum daily balance • Unlimited in-person withdrawals • Free online banking, eStatements and mobile banking • $25 minimum deposit to open • Federally insured by FDIC up to $250,000***

Minor Savings Account

• Available to young savers up to 18 years old • Interest-bearing account • No monthly service fee • Unlimited in-person withdrawals • Free online banking, eStatements and mobile banking • No minimum deposit to open • Federally insured by FDIC up to $250,000***

Money Market Account

• Competitive, tiered rates • Higher balances earn higher rates • Direct check-writing ability* • Unlimited in-person withdrawals

*Federal regulation allows us to limit the number of transfers or withdrawals that can be made on savings and on money market accounts during the calendar month or statement cycle to another account of yours or to a third party by means of preauthorized or automatic transfer, telephone order or

instruction, computer transfer, or by check, draft, debit card or similar order to a third party. **Consult a tax advisor. ***Insured up to $250,000 per depositor, per insured depository institution, for each account ownership category.


Buying a home is a major life decision, and we’re here to simplify the process. We have a broad range of mortgage products so we can open more doors for more homebuyers. We have options for first- time homebuyers, refinancing and more. • Low, competitive rates for home purchase or refinance • Available for primary residence, second home, vacation homes or investment properties • A wide range of terms customized to your unique situation

A wide range of financing programs available: • Traditional • Rural Development Loans • FHA Loans • VA Loans • Free preapproval for added confidence in securing financing • Local decision-making and processing • Helpful loan advisors with working knowledge of the local real estate market


Take your home’s equity further with Oxford Bank’s Home Equity Lines of Credit (HELOCs). Homeowners can use these funds as a more cost-effective way to pay for renovations, vacations, debt consolidation and other expenses. Keep your budget and dreams in line with a HELOC. • Competitive financing for ongoing or seasonal needs: 1 • Education expenses • Major life events • Home improvements • And more! • The existing equity in your home is used as collateral • Funds available anytime without reapplying • Revolving credit – as principal is repaid, more becomes available for use • Accommodating repayment terms that work uniquely for you • Processing fee waived with minimum $500 depository relationship (Mortgage Subordination Fee may also apply) • No points • No prepayment penalty • $50 annual fee • Interest paid may be tax deductible 2 • Local decision-making and processing • Helpful loan advisors to guide you every step of the way Visit oxfordbank.com or give us a call at (248) 628-2533 to learn more and get started on your application today!

1 Applicant must carry insurance on the property that secures a Home Equity Line of Credit. 2 Consult a tax advisor. All loans are subject to credit approval. Other terms and conditions may apply.


Walking into a dealership to make a car-buying decision can be stressful, but it’s easier with Oxford Bank on your side. We offer flexible financing at a competitively low rate, so you can confidently step onto the lot and drive away in your perfect vehicle – at the perfect price point for your budget. • Competitive interest rates for new or used vehicles • Flexible repayment terms • Financing available on all purchases • Free preapprovals for extra buying power when negotiating • Buy from an individual or car dealership • Refinancing is also available; ask how we can help lower your interest rate or reduce your payments • Local decision-making and processing • Helpful loan advisors to guide you every step of the way • Online Loan Payment Portal available Visit oxfordbank.com or give us a call at (248) 628-2533 to learn more and get started on your application today!

All loans are subject to credit approval. Other terms and conditions may apply.


Our variety of credit cards allows you to choose rewards and terms that work best for your personal needs, whether you’re building credit, want to avoid an annual fee or enjoy earning rewards. No matter which option you choose, you can shop securely with EMV smart chip technology and mobile payment capabilities.

Visa® Platinum Card • No annual fee

Visa® Signature College Real Rewards Card • No annual fee • Earn 1.5 reward points per dollar spent on every purchase • There are no caps or limits on the points cardmembers can earn • Redeem points for a wide variety of rewards, including cash back, travel, gift cards and brand-name merchandise

• The best introductory offer!* • Save on interest and pay down other credit card balances faster • Everyday convenience of a non-rewards card

Visa® Secured Card • No annual fee

• Excellent opportunity for anyone who wants to improve or establish their credit.*** • Open a savings account that is pledged as a security for the credit card account


Business Corporate Mastercard®

Business Ultimate Rewards Mastercard® • Line of credit: $500 - $750,000

• Line of credit: $25,000 - $750,000 • Minimum payments: Full balance • No introductory rate, purchase or cash promotion • No balance transfers on Oxford Bank Business Cards • Average Daily Balance interest method

• Minimum payments: 3% of total balance or $25 minimum • No introductory rate, purchase or cash promotion • No balance transfers on Oxford Bank Business Cards • Average Daily Balance interest method

• 3% Foreign Transaction Fee • Rewards Program eligible** • No annual fee

• 3% Foreign Transaction Fee • Rewards Program eligible** • No annual fee

See oxfordbank.com for current interest rates.

*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount; $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. **Rewards Program is redeemable by checking/savings account deposit, credit towards your credit card, gift card and much more. ***Late payments and going over the credit limit may damage your credit history.


Simplifying your business is our business. Oxford Bank’s business checking and savings accounts are perfect for the small-, medium- and large-business owner.

In addition to the benefits of our personal accounts, all our business accounts offer: • Free business online banking and bill pay • Free business debit card • Full suite of treasury management services available (see Treasury Management section for more information) Small Business Checking • Simplified checking solution for smaller transaction volumes • $100 minimum to open • No monthly maintenance fees • 150 monthly combined transactions included • $0.50 charge per transaction over monthly allowance • $0.20 per $100.00 cash processing fee will be imposed after a monthly allowance of $2,500.00 Classic Business Checking • Ideal for businesses with growing transaction volumes • $100 minimum to open • $15 monthly service fee, which can be waived by maintaining a $5,000 daily minimum balance • 300 in monthly combined transactions included • $0.50 charge per transaction over monthly allowance • $0.20 per $100.00 cash processing fee will be imposed after a monthly allowance of $5,000.00

Premium Business Checking • Ideal for businesses with larger transaction volumes • 750 in monthly combined transactions included • $0.50 charge per transaction over monthly allowance • $250 minimum to open

• $25 monthly service fee, which can be waived by maintaining a $15,000 daily minimum balance • $0.20 per $100.00 cash processing fee will be imposed after a monthly allowance of $10,000.00

Analyzed Business Checking

• High-volume business checking account • No transaction limitations or minimum balance to maintain • $250 minimum to open • $50 monthly maintenance fee • Earnings credit may reduce or offset fees • $0.20 per $100.00 cash processing fee will be imposed • No monthly allowance


Business Term Loan • Relationship-based pricing for purchases (i.e., equipment, etc.) • Flexible terms available • Online Loan Payment Portal available Business Line of Credit • Capitalize on opportunities and cover unexpected expenses • Use to finance a wide range of seasonal or ongoing needs • Immediate access to funds when needed

Commercial Real Estate Loan • Relationship-based pricing for the purchase, refinance or construction of commercial properties • Long-term, fixed-rate options available with derivative (SWAP) solution • Variable-rate options available with balloon payments Small Business Administration (SBA) Loan • Commonly used for business acquisitions, partner buyouts, debt refinance, start-ups and business expansions • Generally offer lower down payments and extended terms • Fully-amortizing loans with no balloon payment (no renewals every 1-5 years, like a conventional loan) • Common loan types include Express Lines of Credit and 7(A) Term Loans

Treasury Management

Night Deposit Box Securely drop off your deposits anytime with access to Oxford Bank’s Night Deposit Box. Your deposit will be credited the next business day. Remote Deposit Capture Remote Deposit Capture allows qualified businesses to securely process check deposits using a check scanner, provided by Oxford Bank, which connects to a PC or iMac®. Checks deposited using Remote Deposit Capture before the close of a business day will be credited to the account the next business day. Remote Deposit Capture improves productivity by eliminating the need to visit the bank to manually deposit checks. The Remote Deposit Capture solution includes multiple reporting options at a summary or detail level to meet all your needs. Also, the optional Payment Export feature enables you to export information from processed check deposits and upload the data directly to your accounting software/system, which dramatically reduces time spent on manual data entry. Check Positive Pay Identify forged or altered checks immediately with Check Positive Pay to stop fraud in process. Your business will send a daily record of the checks written, and they are verified against the checks presented for payment. Irregularities are handled through online banking, and checks are paid or returned based on your instructions. Business Debit Cards Oxford Bank’s Mastercard® debit cards provide access to your business account but are safer and more convenient than checks. Use them wherever Mastercard is accepted and at ATMs with the Mastercard logo.

Online Banking with Commercial Cash Management With online banking, you have the ability to view account balances and transaction history, as well as initiate transfers, place stop payments, initiate wire transfer requests and pay bills 7 days a week, 24 hours a day. iPay Bill Pay Oxford Bank’s iPay Bill Pay will help you free up some of your time by eliminating the manual process of paying bills. No longer will you have to write a check, address the envelope and take it to the mailbox for each bill you pay. Oxford Bank’s iPay offers the flexibility of paying your bills anytime, day or night, from anywhere you have access to the internet, even on vacation. Improve the efficiency of your accounts payable process by utilizing iPay Bill Pay to schedule recurring payments. Oxford Bank Mobile App With Oxford Bank Mobile, you have the ability to view account balances, make transfers, pay bills and deposit checks by taking a picture of the check on your smartphone. Automated Clearing House (ACH) Origination ACH Origination enables qualified businesses to electronically send and receive funds. Simplify your payables process as well as control and accelerate the collection of receivables with our ACH Origination solution. ACH Origination is also an easy and cost-effective way to provide your employees with payroll direct deposit.

For more information, contact your Treasury Management Relationship Manager at (248) 628-2533, or email us at treasurymanagement@oxfordbank.com

• Allows for multiple users, each with their own individual login. • Provides audit trails and detailed reporting. • Works with Remote Deposit Capture to complement mobile deposit with desktop scanning in the office. Cash Vault Services Cash Vault Services make it easy for your company to make secure deposits, order cash and reduce trips to the bank. If you have employee safety and security concerns around making deposits or want to reduce risk associated with bank branch trips, Cash Vault Services provide a convenient, secure and efficient way to make deposits. With Cash Vault Services, your currency and coin needs can be fulfilled easily through phone or standing-order deliveries. QuickBooks Direct Connect Seamlessly integrate detailed transaction and balance information from Oxford Bank’s online banking into the QuickBooks®/Quicken® accounting application, all without logging in to oxfordbank.com. QuickBooks/Quicken can log in to your online banking to securely and automatically download transactions into QuickBooks in a single download. ACH Positive Pay ACH Positive Pay monitors and compares debits to existing authorizations. Items matching your criteria will be released for payment, and any exception or ACH debit without authorization will be made available online for your review before a payment is made.

ACH Fraud Filter ACH Fraud Filter is a fraud prevention tool which monitors the ACH debit activity on your account. ACH debits presented for payment to your account must be preauthorized by you. Unauthorized transactions will be returned, thereby preventing potential losses before they occur. Merchant Card Processing Merchant card processing includes a variety of innovative, flexible payment processing solutions along with excellent and local client service. Oxford Bank offers low-cost merchant processing and business development tools that enable you to accept multiple forms of payment. This suite of solutions includes processing of credit and debit card transactions, mobile processing, gift cards, online processing and check verification service, among others. Online Wire Transfers Send money from your account to accounts at other financial institutions in the U.S. or internationally safely and with ease. For your convenience, we provide several ways for you to initiate a wire transfer, including in person as well as through our online banking platform. You can send international wire transfers in U.S. dollars or foreign currency. Mobile Remote Deposit Capture (mRDC) mRDC is a mobile-based remote deposit capture solution that provides our on-the-go commercial accountholders with the ability to deposit paper checks using smartphones and tablets. • Allows commercial accountholders to deposit checks into multiple accounts. • Enables accountholders to deposit more than one check at a time.


Financial planning starts with your dreams, whether you are beginning with a basic budget or you need advanced money management ideas. At Oxford Wealth Management, we know that the savings and investment decisions you make today will impact your financial future.

With our tailored approach, we will review your current situation and discuss your objectives and timeline in order to build strategies suited to meet your needs.

Risk Management and Insurance • Review of existing policies • Life insurance needs • Long-term care insurance • Disability insurance

Income Tax Planning*

• Review of cost basis • Tax loss harvesting • Potential Roth conversions

Estate Planning and Charitable Giving* • Wills

Retirement Income Planning • Retirement goal setting

• Power of attorney • Health care proxy • Nursing home protection trusts • Revocable trusts • Estate tax planning

• Social Security and Medicare • Annuities and managed income strategies • RMDs and withdrawal programs

Assistance to Loved Ones • Gifting • Education planning

Cash Flow and Budget • Income sources

• 529 college savings plan • Roth IRAs for children

• Expenses and budgets • Debt management • Planned large expenses • Dollar cost averaging • Mortgage review • Lines of credit

Concierge Service

• Coordinate with other advisors such as your attorneys and accountants • Hold regular meetings and ensure all planning is coordinated and implemented

Wealth Accumulation Planning • Review of portfolio • Asset allocation • Time horizon • Investment policy statement

*We do not provide legal services or legal advice, nor do we provide tax advice. Please consult your legal and/or tax advisor.

• IRA contributions and conversions • Employer-sponsored plans and 401(k)s • Self-employed retirement plans • Review of investments held outside OFS








Securities offered through Osaic Institutions, Inc., Member FINRA/SIPC. Oxford Wealth Management is a trade name of Oxford Bank. Oxford Bank and Osaic Institutions are not affiliated.

Not a Deposit I Not FDIC Insured I Not insured by any federal government agency I Not guaranteed by the bank I May go down in value


Oxford Bank’s many services and advanced technology offer a wide variety of tools to bank whenever and wherever it is most convenient for you. Enjoy all the perks of an Oxford Bank account with the flexibility to spend more time on what matters most to you. Internet Banking Skip the trip to the branch with Oxford Bank’s convenient internet banking options, which give you the comfort and flexibility to access your bank accounts whether you’re on the couch or on the go.

Online Banking Simply visit our website to enroll or log in. • Check account balances • Review transaction history • Transfer money between Oxford Bank accounts • Pay your bills electronically • Find the nearest Oxford Bank branches and ATMs

Mobile Banking The Oxford Bank Mobile App makes banking easy with 24/7 access right from your iPhone® or Android™ device. • Make deposits from your phone • Check account balances • Review transaction history • Transfer money between Oxford Bank accounts • Pay bills • Find the nearest Oxford Bank branches and ATMs

24-Hour Telephone Banking Bank 24/7 just by calling our telephone banking service at (844) 258-8359. • Check account balances • Review transaction history • Transfer money between Oxford Bank accounts

• Make loan payments • Place a stop payment • And much more

In order to verify your identity, you will be asked to enter your account number followed by your Social Security number the first time you log in. Then, you will be prompted to register your Personal Identification Number (PIN).

There are no additional charges for using telephone banking. The system’s default is voice recognition. Press 1 to use touch tone.

Interactive Teller Machines (ITMs) Bank from sunrise to sunset with Oxford Bank’s ITMs right from your driver’s seat. These devices look like a traditional ATM, but allow you to have a real-time, face-to-face conversation with an Oxford Bank Customer Service Representative. • More options than a traditional ATM

• Features advanced video chat technology • Allows for a number of privacy options: • Plug in your earbuds or headset • On-screen text chat • Scan a written message • Secure transactions processed the same as if you were doing a face-to-face transaction You can complete most regular transactions at an ITM, including: • Deposits and withdrawals • Transfers • Loan payments • Cash checks • And more

Plus, benefit from extended ITM hours: • Monday - Friday: 7 a.m. - 8 p.m. • Saturday: 7 a.m. - 5 p.m. • Regular ATM services available 24/7


Addison-Oaks Branch 35 S. Rochester Road Oakland, MI 48363 (586) 752-4555 Clarkston Branch

Oxford Branch 60 S. Washington Street

Oxford, MI 48371 (248) 572-2030 Customer Experience Center - North 183 S. Livernois Road Rochester Hills, MI 48307 (248) 429-3301 Customer Experience Center - East

7199 N. Main Street Clarkston, MI 48346 (248) 625-0011 Davison Branch 600 N. State Road Davison, MI 48423 (810) 658-1500 Dryden Branch

51020 Hayes Road Macomb, MI 48044 (586) 868-8300 Additional ITM Location 28345 Beck Road Wixom, MI 48393 Lobby Hours Monday - Friday: 9 a.m. - 5 p.m. Saturday: 9 a.m. - 12 p.m. Drive-Through Hours Monday - Friday: 7 a.m. - 8 p.m. Saturday: 7 a.m. - 5 p.m. 24-Hour Telephone Banking (844) 258-8359

5459 Main Street Dryden, MI 48428 (810) 796-2651 Lake Orion Branch 1115 S. Lapeer Road Lake Orion, MI 48361 (248) 693-6261 Ortonville Branch 345 S. Ortonville Road Ortonville, MI 48462 (248) 627-2813

(248) 628-2533 • oxfordbank.com

Rev. 12/2023

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