Oxford Bank

Headquarters: Oxford, Michigan
Charter: Bank
Assets: $930.5M
Fed district: Chicago

20 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 4, 2026.

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Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Oxford Bank: $1
Oxford Bank: $1
U.S. median: no median
Overdraft (OD)
Oxford Bank: $35
Oxford Bank: $35
U.S. median: no median
NSF / Returned Item
Compared at $25, the middle of its prices
Oxford Bank: $15 to $35
Oxford Bank: $15 to $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 4, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Michigan, the Chicago district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Michigan: Banks and credit unions headquartered in Michigan that publish the fee.
Chicago district: Banks and credit unions headquartered in the Chicago Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from Oxford Bank’s own schedules, with a source for each figure.

Account Maintenance

Hard Token Charge (Monthly Fee Per Token)$1
per month
Checking Account Fees New Account Closed within 90 days of opening$25
Records Research Fee (per hour)$20
Not compared: Charged per hour; comparison unavailable
per hour
Statement: Paper Statement Fee (per month)$5
per month
Returned Statement Fee (per month)$3
per month

Overdraft & NSF

Overdraft Item Fee$35
Return Item Fee (NSF)$35
Returned Check/Returned ACH Fee$15
per item
Sweep Overdraft Transfer Fee$10

ATM & Card

ATM Transactions (NYCE, PLUS at any non-Oxford Bank terminal)$2

Wire Transfers

External Funds/Wire Transfer Fees Wire Transfer - Domestic Outgoing$25
per item
Wire Transfer - Domestic Incoming$15
Outgoing International Wire Fee (Per Wire)$50
per item

Check Services

Cashier’s Check (Oxford Bank account holders only)$5
Money Orders - Oxford Bank account holders only (max $500.00)$3
Stop Payment$35
Stop Payment Fee (Per Item)$35
per item
Counter Checks (max. of 4)$1
Statement: Check Image(s) Fee (per month)$3
Not compared: Monthly charge, not per item
per month

Digital & Electronic

Same Day ACH Batch Fee$10
Same Day ACH Fee (Per Item)$0.50
per item

Cash & Deposit

Night Depository - Lost Key$25

Account Services

Miscellaneous Deposit Account Fees Garnishment or Tax Levy (if applicable up to $50)$50
per item

Gift & Prepaid Cards

Gift Card/Prepaid Card Fees Prepaid Card - Reload Fee$2
Prepaid Card - Fee for Purchase$5

Other Fees

Statement (snapshot, reproduction or duplicate)$5

Fee	Amount	Basis	Note
Account Maintenance
Hard Token Charge (Monthly Fee Per Token)	$1	per month	None
Checking Account Fees New Account Closed within 90 days of opening	$25	Not stated	None
Records Research Fee (per hour)	$20Not compared: Charged per hour; comparison unavailable	per hour	None
Statement: Paper Statement Fee (per month)	$5	per month	None
Returned Statement Fee (per month)	$3	per month	None
Overdraft & NSF
Overdraft Item Fee	$35	Not stated	None
Return Item Fee (NSF)	$35	Not stated	None
Returned Check/Returned ACH Fee	$15	per item	None
Sweep Overdraft Transfer Fee	$10	Not stated	None
ATM & Card
ATM Transactions (NYCE, PLUS at any non-Oxford Bank terminal)	$2	Not stated	None
Wire Transfers
External Funds/Wire Transfer Fees Wire Transfer - Domestic Outgoing	$25	per item	None
Wire Transfer - Domestic Incoming	$15	Not stated	None
Outgoing International Wire Fee (Per Wire)	$50	per item	None
Check Services
Cashier’s Check (Oxford Bank account holders only)	$5	Not stated	None
Money Orders - Oxford Bank account holders only (max $500.00)	$3	Not stated	None
Stop Payment	$35	Not stated	None
Stop Payment Fee (Per Item)	$35	per item	None
Counter Checks (max. of 4)	$1	Not stated	None
Statement: Check Image(s) Fee (per month)	$3Not compared: Monthly charge, not per item	per month	None
Digital & Electronic
Same Day ACH Batch Fee	$10	Not stated	None
Same Day ACH Fee (Per Item)	$0.50	per item	None
Cash & Deposit
Night Depository - Lost Key	$25	Not stated	None
Account Services
Miscellaneous Deposit Account Fees Garnishment or Tax Levy (if applicable up to $50)	$50	per item	None
Gift & Prepaid Cards
Gift Card/Prepaid Card Fees Prepaid Card - Reload Fee	$2	Not stated	None
Prepaid Card - Fee for Purchase	$5	Not stated	None
Other Fees
Statement (snapshot, reproduction or duplicate)	$5	Not stated	None

Correct a fee source

Oct 4, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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