Oxford Bank - Banking Services Guide

BUSINESS CHECKING

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

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