Deposit Accounts

FNB Oxford's Business Checking and Savings accounts are a tailored fit for your business! No matter the size of your business, we have the right accounts for you.

Open a payroll account, operating account, or money market account that is best suited to your business's needs. All are available with a secure night deposit bag and night depository services. There is no daily cut off time for deposits.

Stop by a branch to learn more.



First Business Checking


Looking for a basic checking account with a flat fee for your small business?

The First Business account offers unlimited deposits, with no daily cut off time, and check writing at no charge up to 300 transactions. The opening balance requirement is $100. The $8 monthly maintenance fee can be avoided if a minimum balance of $3,000 is maintained. Online banking, Business Bill Pay, debit card and E-statements are available with this account. Night depository services are available.


Commercial Checking


Has your small business outgrown your current checking account benefits?

The Commercial Checking account offers unlimited deposits and check writing and no daily cut off time with a minimum opening deposit of $100. Monthly maintenance fee is $6 with a 12¢ charge for each debit and 6¢ charge for each item deposited. Online banking, Business Bill Pay, debit card and night depository services are available.


Corporate Checking


Looking for a checking account to meet your corporation’s high volume needs?

The Corporate Checking account offers unlimited deposits and check writing with no daily cut off time. The minimum opening requirement is $100 with a monthly maintenance fee of $20 with a 15¢ charge for each debit and a 10¢ charge for each item deposited. Night depository services are available for an additional charge. Online banking, Bill Pay, debit card and FNB on CD (monthly or annual CD Rom of your bank statements) are also available.


Commercial NOW


Do you want an account that combines the benefit of earning interest with the convenience of commercial checking?

With no limits on transactions, the Commercial NOW Account allows you to earn interest on your checking account when a minimum balance of $600 is maintained. Monthly maintenance fee is $5 with a 20¢ charge for each debit and 6¢ charge for each item deposited. Online banking, Business Bill Pay, debit card and night depository services are available.


Business Ultimate Savings


Interested in putting your excess funds to work?

The Business Ultimate Savings account offers an interest rate that increases with your balance. The minimum balance to open the account and earn interest is $25,000. The maintenance fee will be waived if the minimum balance is maintained throughout statement cycle. Interest is compounded and credited to your account monthly. You have the option of choosing image statements or going paperless by receiving E-statements through our Online Banking service.


Commercial First Investment


Would you like to have an easily-accessible investment account that is designed for a limited number of transactions?

The Commercial First Investment Account offers the opportunity to earn interest while making unlimited deposits. The minimum balance to open the account and earn interest is $2,500. The maintenance fee will be waived if the minimum balance is maintained throughout the statement cycle. Interest is compounded and credited to your account monthly. Transactions are limited to six per monthly statement cycle. You have the option of choosing image statements or going paperless by receiving E-statements through our online banking service.


Individual Retirement Account


Do you seek an inexpensive, easy way to offer a retirement plan to your employees? We offer two of the following IRA's to fund employee accounts.

SEP
A Simplified Employee Pension (SEP) IRA is available to small business owners who provide retirement savings options for themselves as well as their employees. The SEP IRA is strictly employer-funded and is ideal for larger annual contributions.

SIMPLE
The Savings Incentive Match Plan (SIMPLE) IRA is available to small businesses with 100 employees or less. The SIMPLE IRA is a retirement savings option that is employee-funded with a matching contribution made by the employer.

Sweep Account


Do you want your money to work for you?

Set up automatic transfers between multiple accounts, allowing you to maintain desired balances, and maximize the interest earned. Contact us to discuss which type of sweep account is best for you!


  • Excess Balance
  • Maintain Minimum Balance
  • Overdraft Protection
  • Zero Balance Account

Certificates of Deposit


Certificates of deposit (CD) are popular savings vehicles that offers a variety of terms to meet your needs. Choose any term that best meets your business's needs.


  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years - 3 Years
  • 3 Years - 5 Years
  • 5 Years