Oxford Bank - Banking Services Guide

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.

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