Share Draft/Checking - It's FREE!
Our Share Draft/Checking account is your alternative to the high minimum balance requirements, checking fees, and service charges at other financial institutions. Discover how easy it is to manage your money with our full-featured checking account.

• NO Minimum Balance
• NO Monthly Service Charge
• NO Per Check Charge
• Checks Free to Seniors Over 60
• VISA Debit Check Card Access
• Overdraft Protection Line of Credit Available
• Various Check Designs to Choose From

Use our VISA Debit Check Card instead of writing a check to make purchases, and at ATM Card locations to withdraw cash, verify balances, and to transfer funds between your Share (Savings) and Share Draft (Checking)Accounts.

Oxford Federal Credit Union is a member of the SurF Alliance of surcharge free access to credit union ATMs across Maine! Look for the SurF Alliance logo and transact your ATM business Surcharge Free!

Lost or Stolen Card
Click here for information on reporting lost or stolen cards.
 
Switching Your Checking Account is Easy!
That's right! Switching your account from any financial institution to Oxford Federal Credit Union is easy. We have a plan that helps reduce the hassle and stress normally associated with closing one account while opening another. Switching a checking account from another financial institution to OFCU brings your financial affairs under one roof, making it easy to move funds between accounts.  Contact us today to find out how easy it is!
 
Overdraft Protection Line of Credit
Make an already great share draft (checking) account even better by adding our Overdraft Protection Line of Credit. You can benefit from added security of a Line of Credit in case of an error in your checkbook or if you are in need of a short- term loan advance. When your check is presented to the Credit Union for payment, and there are insufficient funds in your checking account to cover the check, we will advance you a loan against your Line of Credit so your check will clear. Our Overdraft Protection Line of Credit is Designed with YOU in mind:

• Credit Limits up to $2,000
• Automatic Payment Option Available
• Low Fixed Annual Percentage Rate of 15%
• Monthly payments are 3% of balance or $20.00, whichever is greater

Advances appear on your monthly checking account statement and payments are due by the 25th of each month.

Overdraft Protection is a line of credit, and applicants are subject to credit approval. When overdrafts occur with your checking account, loan advances to cover the overdraft will be made in the exact amount of the overdraft. If your credit limit is exhausted, the amount of the overdraft will be transferred from your share account to cover the amount of the draft.

Related Pages:
Share (Savings)
Share Certificates
IRA Share Certificates
Rates
Loans and Credit Cards

Mexico Office:
225 River Road
PO BOX 252
Mexico, Maine 04257
Phone: 207.369.9976
Fax: 207.364.8962

Norway Office:
54 Fair Street
Norway, Maine 04268
Phone: 207.743.2638
Fax: 207.743.7138

Email: oxford@ofcu.org
Toll-free: 800.991.9219