Personal Banking

Free Debit Card alerts via our Free Online Banking, set-up alerts - a great fraud-protection tool to help protect your account.
Convenience! You don't have to carry cash or your check book. Use your Debit Card!
Mastercard Debit Benefits
Zero Liability
means cardmember[s] won't be held liable their card is used for purchases without your permission. Some conditions and exceptions apply.

Chip Technology
improves the global usability and security of their card as more merchants at home and abroad switch to advanced chip card terminals.

Extended Warranty
doubles most manufacturer or U.S. store brand warranties for up to one additional year.

Identity Theft Resolution Services
assists cardmember[s] with credit bureau notification and card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.

Price Protection
can refund the difference if cardmember[s] buy something and then see it advertised for less within 60 days.

Satisfaction Guarantee
can provide a refund of up to $250 if you are dissatisfied with a purchase and the merchant will not accept a return within 60 days of the purchase date.

Purchase Assurance
covers most items purchased with your card if they are damaged or stolen within 90 days of the date of purchase.

Mastercard Global Service™
provides 24 hour a day, seven day a week assistance with lost and stolen card reporting, emergency card replacement, emergency cash advance, as well as assistance with locating ATM's.

Mastercard Airport Concierge™
provides a Meet and Greet agent to assist with flight connections plus, at select airports, expedited security/immigration processing.

*Mastercard™ Travel Assistance Service
can provide emergency travel assistance plus pre-trip destination information when traveling more than 50 miles from home.

*Mastercard® VAT Reclaim Service
provides companies doing business in Europe an easy and efficient way to reclaim their VAT.

*MasterRental Insurance
can provide reimbursement for physical damage to or theft of a rental vehicle.

*Mastercard Priceless® Cities
offers unique access and special experiences so you can enjoy more of the cities you love.

* benefits are for Business Debit Cards

All benefits are auto-enrolled. If members have benefit questions or need assistance, they should call 1-800-MASTERCARD or visit

Easily get cash!
Your Debit Card is your access to ATMs for cash on-the-go as well as cash back at thousands of merchants.

Personal Money Management. Debit transactions are deducted directly from your checking account and recorded on your monthly statement.  This helps you stay within your budget.

Acceptance. Debit transactions can be made at millions of locations, over the phone and on the internet.
Debit Card comes with Oxford Free Checking

Free Oxford Bank ATM usage - Free usage

Other Banks ATMs - Four free ATM withdrawals will be permitted in a statement cycle at ATMs not owned or operated by Oxford Bank. Starting with the fifth such withdrawal in a statement cycle, Oxford Bank will assess a $2.50 fee for each withdrawal.                            

Security limits in effect


How can I avoid ATM surcharges?

You can avoid surcharges by using ATMs in the MoneyPass® network.

Your Oxford Bank Debit Card can be used surcharge-free through the MoneyPass® network of
automatic teller machines (ATMs).*

The owners of ATMs not owned by Oxford Bank & Trust may assess a separate surcharge for balance inquiries and/or withdrawals made at their machines.  Surcharges are never assessed at non-Oxford Bank ATMs displaying the MoneyPass® logo.
* Important Note about MoneyPass® ATMs

During your transaction, a screen may appear that indicates that you will be charged a surcharge fee for the transaction. Even though this screen may appear, you will not be charged. However, in order for your transaction to be completed, you must enter YES to indicate that you will accept the surcharge. Your receipt should show that you were not charged the surcharge fee for the withdrawal. If a surcharge does appear on the receipt or your statement, please contact our Customer Service Department at 630-629-5000 for assistance.

Find nearby MoneyPass® ATMs with free mobile apps.

Finding a surcharge-free MoneyPass® ATM couldn't be easier with the MoneyPass ATM Locator app!
With two convenient search options, you can find a MoneyPass ATM by entering an address or ZIP code, or using your current location.




DEBIT CARD CALL 800-236-2442

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