Personal Accounts__
First National Bank of Oxford offers a variety of accounts designed to meet the unique needs of our customers. Because we recognize these needs and preferences, we provide several types of account access: online internet banking, First Service automated telephone banking (662) 234-2832, traditional branch banking, and the convenience of account access through ATM and Debit Cards. Our customers are also invited to join our Great Escapes Travel Club for excursions throughout the year!
Member FDIC



Personal NOW Account
For customers who want an interest bearing checking account with unlimited check writing privileges. Minimum balance to open the account and earn interest is $600.00. If the account balance stays above $1500.00, the monthly service charge of $7.50 is waived. Also included are monthly statements, unlimited ATM and Debit Card transactions and a $300.00 Overdraft Privilege on qualified accounts.
Member FDIC



Century Club Checking
Our popular club account. Perfect for the customer with high account usage. Club members choose either single or family AD & D insurance coverage. Single coverage provides $15,000 in AD&D insurance for $10.00 per month. Family coverage provides $15,000 per spouse and $1500.00 per child for $12.00 per month. In addition to insurance coverage, club members also receive:

Unlimited Check Writing
Unlimited ATM & Debit Card Privileges
Unlimited First Service Access
Free Club Checks
Free Personal Money Orders
Travel Discounts
Monthly Statements
Minimum Balance to Open:$100.00
$300.00 Overdraft Privilege on Qualified Accounts
Discounts on individual travlers checks
Member FDIC



OST (Over Sixty-two) Account
This account is perfectly suited for our customers who are 62 years old or better! These special customers receive unlimited checkwriting privileges, free wallet style OST checks, unlimited ATM or Debit Card transactions, easy to read monthly statements, and invitations to special events. There is no monthly service charge for our OST account and qualified accounts receive a $300.00 Overdraft Privilege.
Member FDIC



Regular Checking
The classic checking package. Customers receive unlimited check writing and no monthly service charge if they maintain a minimum balance of $500.00 throughout the statement period! If the balance falls below $500.00 during the statement period, the account is charged a $5.00 service charge. If the balance drops below $200.00, a fee of .20 per debit is charged for all debits processed during the statement period in addition to the $5.00 monthly service charge. A deposit of $100.00 is required to open this account. Qualified accounts receive an Overdraft Privilege of $300.00
Member FDIC




Business Services__
From commercial accounts on analysis to business savings, we have the business account to match your needs. We know how challenging running your own business can be. At First National Bank of Oxford, we meet that challenge everyday. Our Account Managers can get your account started and assist you with a variety of other business services, from Visa/Mastercard Merchant Processing to payroll direct deposit. Get in touch with us today; by phone, on-line or in person, we would love the opportunity to support your business endeavor.
Member FDIC



Lending Services
When you've made a personal or business investment decision, the last thing you need is a long wait for financing. At First National Bank of Oxford, our Loan Officers will handle your borrowing request quickly and provide you with expert advice and guidance.
Equal Housing Lender_



Auto Loans
When you're ready to get behind the wheel of a new or used vehicle, our auto loan specialists are ready to make it happen. We offer a wide array of competitive auto loan packages based on the year model and purchase price of the vehicle your buying.
Equal Housing Lender_



Real Estate Loans
With our competitive rates, you'll want to check with us first on your purchase, refinance, construction, or home improvement loan. We offer an array of residential mortgage loan options, and would love the opportunity to tailor a loan to suit your needs.
Equal Housing Lender



Home Equity Loans
If you have equity in your home, we can turn your dreams into reality with a home equity loan. Put in a pool, spruce up the den, or buy the kids a car with our comfortable loan terms. Best of all, your interest may be tax deductible!
Equal Housing Lender



Commercial Loans
Since 1910, we've been helping new businesses succeed and established businesses keep pace with the growth of Lafayette County.

Our lenders can assist you with commercial real estate loans for purchase, land development, and construction. We are also ready to help you with loans for expansion, seasonal financing, equipment and inventory purchases. Whether your business is just getting started or expanding, First National Bank has the loan you need to keep your business growing.
Equal Housing Lender



Great Escapes Travel Club
Join First National Bank of Oxford for fun filled excursions throughout the year. Our trips are professionally planned to get the most out of your time and investment. Callahan Charters provides our transportation in their luxurious motor coaches. Trips range from one day outings to places like the Orpheum Theater in Memphis to four and five day trips to points all over. Customers receive group rates for the travel and discounts when they choose to share a hotel room with someone. All First National Bank customers are invited to participate. Enroll in our travel club today. There is no cost to sign up and then you'll be assured, that you always know where our next adventure will lead.
Member FDIC



Convenience Services
Member FDIC


Internet Banking

Since you're online with us right now, you already know how convenient internet banking can be! Our basic personal internet banking services are provided to our customers at no monthly fee. Basic personal internet banking allows you to:

View balances on all accounts
View account history
Transfer funds between accounts
Request stop payments
Access "help" and "contact us" features on every page
Download transactions in personal financial programs such as Quicken or Microsoft Money
Order checks online
Utilize Financial Planning Calculators
Set up recurring transactions
Electronic Statements
View paid check images


Personal Bill Pay is also available to our customers. This allows for up to 15 bills to be paid each month to any vendor at no charge. Additional payments can be made for .50 cents per item.

Please stop by one of our offices to sign your initial enrollment form.
Member FDIC



First Service Automated Telephone Banking
If you're not within reach of the internet, you're still within reach of First National Bank with First Service! First Service is our 24 hour a day, 7 day a week automated telephone banking system! You can call First Service at 662-234-2832. All customers are issued a First Service access code (PIN) at account opening. If you've forgotten your PIN, please call us at 662-234-2821 and we will get your account activated. Using First Service and a touch tone phone, you can:

Transfer funds between accounts
Get account balance information
Get recent deposit, withdrawal and automatic debit transaction amounts
Check to see if a specific check has cleared
Report a lost or stolen ATM or Debit Card
Member FDIC



Debit Card
When you use your Debit Card to make purchases, the money is deducted straight from your checking account. A Debit Card gives you the convenience of using your checking account without the hassel of writing a check. Best of all, it's accepted virtually everywhere. Need access to cash? No problem. Your Debit Card will also provide all of the features of a regular ATM card.
Member FDIC



ATM Card
Our Automated Teller Machine Cards allow you to withdraw money from your account, 24 hours a day, 7 days a week. You can also make purchases using your ATM card at any merchant that offers point of sale service.
Member FDIC