vs. U.S. typical range:LowerTypicalHigher
$24 above the national median$23.75 above the Michigan median
per month · Source
$1 below the national median$1.25 below the Michigan median
per month · Source
$29 above the national median$28.75 above the Michigan median
per month · Source
$5 below the national median$5.25 below the Michigan median
per month · Source
$7.50 above the national median$15 above the Michigan median
$7.50 above the national median$15 above the Michigan median
$2.50 above the national median$1.25 above the Michigan median
$2 above the national median$2.50 above the Michigan median
per month · Source
$5 above the national median$6 above the Michigan median
$5 above the national median$6 above the Michigan median
$15 below the national median$14 below the Michigan median
per item · Source
$5 above the national median$6.50 above the Michigan median
$0.50 above the national median$0.15 above the Michigan median
At the national medianAt the Michigan median
per item · Source
At the national medianAt the Michigan median
$5 above the national median$10 above the Michigan median
$5 above the national median$10 above the Michigan median
At the national median$5 above the Michigan median
per item · Source
At the national median$5 above the Michigan median
At the national median$2 above the Michigan median
$1 above the national median$1 above the Michigan median
$7.50 above the national median$8 above the Michigan median
$7.50 above the national median$8 above the Michigan median
per item · Source
$1 below the national median$1 below the Michigan median
At the national median$0.50 below the Michigan median
per month · Source
At the national median$2.50 below the Michigan median
$9.50 below the national median$12 below the Michigan median
per item · Per Item · Source
$15 above the national median$10 above the Michigan median
$5 below the national median$10 below the Michigan median
At the national medianAt the Michigan median
At the national medianAt the Michigan median
per item · Source
$15 above the national median$15 above the Michigan median
per month · Per Account · Source
$1.50 above the national median$1 above the Michigan median
$1.50 below the national median$2 below the Michigan median
$1.50 above the national median$1 above the Michigan median
$2 above the national median$2 above the Michigan median
Swipe for source and notes →
| Fee | Amount | vs medians | Basis | Note | Source |
|---|---|---|---|---|---|
Account MaintenanceVerified | |||||
| ACH Monthly Maintenance Fee (Monthly Fee) | $30Above the typical range ($4–$10 nationally) | $24 above the national median$23.75 above the Michigan median | per month | — | Source |
| ACH Positive Pay Fee (Monthly Fee/Per Account) | $5Within the typical range ($4–$10 nationally) | $1 below the national median$1.25 below the Michigan median | per month | — | Source |
| ACH Remittance Fee (Monthly Fee) | $35Above the typical range ($4–$10 nationally) | $29 above the national median$28.75 above the Michigan median | per month | — | Source |
| Hard Token Charge (Monthly Fee Per Token) | $1Below the typical range ($4–$10 nationally) | $5 below the national median$5.25 below the Michigan median | per month | — | Source |
| Checking Account Fees New Account Closed within 90 days of opening | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$15 above the Michigan median | — | — | Source |
| New Account Closed within 90 days of opening | $25Within the typical range ($10–$25 nationally) | $7.50 above the national median$15 above the Michigan median | — | — | Source |
| Records Research Fee (per hour) | $20Within the typical range ($11–$25 nationally) | $2.50 above the national median$1.25 above the Michigan median | — | — | Source |
| Statement: Paper Statement Fee (per month) | $5Above the typical range ($2–$4.88 nationally) | $2 above the national median$2.50 above the Michigan median | per month | — | Source |
Overdraft & NSFVerified | |||||
| Overdraft Item Fee | $35Above the typical range ($25–$33 nationally) | $5 above the national median$6 above the Michigan median | — | — | Source |
| Return Item Fee (NSF) | $35 | ||||
ATM & CardVerified | |||||
| ATM Transactions (NYCE, PLUS at any non-Oxford Bank terminal) | $2Within the typical range ($1–$2.25 nationally) | $0.50 above the national median$0.15 above the Michigan median | — | — | Source |
Wire TransfersVerified | |||||
| External Funds/Wire Transfer Fees Wire Transfer - Domestic Outgoing | $25Within the typical range ($20–$25 nationally) | At the national medianAt the Michigan median | per item | — | Source |
| Wire Transfer - Domestic Outgoing | $25 | ||||
Check ServicesVerified | |||||
| Cashier’s Check (Oxford Bank account holders only) | $5Within the typical range ($3–$6 nationally) | At the national median$2 above the Michigan median | — | — | Source |
| Money Orders - Oxford Bank account holders only (max $500.00) | $3 | ||||
Digital & ElectronicVerified | |||||
| Same Day ACH Batch Fee | $10Within the typical range ($5–$20 nationally) | At the national median$2.50 below the Michigan median | — | — | Source |
| Same Day ACH Fee | $0.50 | ||||
Cash & DepositVerified | |||||
| Night Depository - Lost Key | $25Above the typical range ($5–$20 nationally) | $15 above the national median$10 above the Michigan median | — | — | Source |
| Night Depository - Security Deposit (key refundable) | $5 | ||||
Account ServicesVerified | |||||
| Miscellaneous Deposit Account Fees Garnishment or Tax Levy | $50Within the typical range ($30–$90 nationally) | At the national medianAt the Michigan median | — | — | Source |
| Miscellaneous Deposit Account Fees Garnishment or Tax Levy (if applicable up to ) | $50 | ||||
Gift & Prepaid CardsVerified | |||||
| ATM/Debit Card/ Prepaid Card - Fee for Purchase | $5Above the typical range ($3–$4.95 nationally) | $1.50 above the national median$1 above the Michigan median | — | — | Source |
| Gift Card/Prepaid Card Fees Prepaid Card - Reload Fee | $2 | ||||
Other FeesVerified | |||||
| Statement (snapshot, reproduction or duplicate) | $5Within the typical range ($2–$5 nationally) | $2 above the national median$2 above the Michigan median | — | — | Source |
Its state has too few comparable institutions, so these are its Fed district peers.
Overdraft
$35.00
Of 115 others that publish it, 86 lower, 23 the same and 6 higher.
Monthly maintenance
$17.50
Of 70 others that publish it, 65 lower and 5 higher.
Fee change alerts
One email when a verified fee you follow changes. Nothing else unless you ask for it.
Headline fees vs. national median
Overdraft
$35
Headline fees published
11 of 15
Published fees
36
Under review
0
Assets
$930.5M
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Financial Context
Financials as of Q2 2026 · FDIC call report
Total assets
$930.5M
Total deposits
$782.6M
Service charge income
$380K
Fee income ratio
2.8%
Return on assets
1.23%
Branches
9
Service charge income by quarter
Financial profile · Pro
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| $5 above the national median$6 above the Michigan median |
| — |
| — |
| Source |
| Returned Check/Returned ACH Fee | $15Below the typical range ($25–$32 nationally) | $15 below the national median$14 below the Michigan median | per item | — | Source |
| Sweep Overdraft Transfer Fee | $10Above the typical range ($2.50–$5 nationally) | $5 above the national median$6.50 above the Michigan median | — | — | Source |
| At the national medianAt the Michigan median |
| — |
| — |
| Source |
| Quoted Rates: Travel & Gift Cards - - - Wire Transfer - Domestic Incoming | $15Within the typical range ($5–$15 nationally) | $5 above the national median$10 above the Michigan median | — | — | Source |
| Wire Transfer - Domestic Incoming | $15Within the typical range ($5–$15 nationally) | $5 above the national median$10 above the Michigan median | — | — | Source |
| Outgoing International Wire Fee (Per Wire) | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the Michigan median | per item | — | Source |
| Wire Transfer - International | $50Within the typical range ($40–$50 nationally) | At the national median$5 above the Michigan median | — | — | Source |
| $1 above the national median$1 above the Michigan median |
| — |
| — |
| Source |
| Stop Payment | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$8 above the Michigan median | — | — | Source |
| Stop Payment Fee (Per Item) | $35Above the typical range ($20–$30 nationally) | $7.50 above the national median$8 above the Michigan median | per item | — | Source |
| Counter Checks (max. of 4) | $1Within the typical range ($1–$4 nationally) | $1 below the national median$1 below the Michigan median | — | — | Source |
| Statement: Check Image(s) Fee (per month) | $3Within the typical range ($2–$5 nationally) | At the national median$0.50 below the Michigan median | per month | — | Source |
| $9.50 below the national median$12 below the Michigan median |
| per item |
| Per Item |
| Source |
| $5 below the national median$10 below the Michigan median |
| — |
| — |
| Source |
| At the national medianAt the Michigan median |
| per item |
| — |
| Source |
| Check Positive Pay Charge | $25Above the typical range ($5–$15 nationally) | $15 above the national median$15 above the Michigan median | per month | Per Account | Source |
| $1.50 below the national median$2 below the Michigan median |
| — |
| — |
| Source |
| Prepaid Card - Fee for Purchase | $5Above the typical range ($3–$4.95 nationally) | $1.50 above the national median$1 above the Michigan median | — | — | Source |