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OXFORD BANK

Introduction
Oxford Bank is committed to providing products and services to our customers that are of the highest quality and meet or exceed their ever-changing needs in a highly competitive financial services environment. In order to utilize these products and services in a rapidly evolving information arena, our customers expect that any information they share with the bank will be treated in a highly confidential and professional manner. Oxford Bank has adopted the following privacy policy and guiding principles to meet those expectations.

Recognition of a Customer’s Expectation of Privacy
Oxford Bank recognizes and respects the privacy expectations of our customers. Oxford Bank educates its employees in this important matter.

Use, Collection and Retention of Customer Information
Oxford Bank collects nonpublic personal information from many sources. The bank collects nonpublic personal information directly from consumers on various applications and forms, such as loan applications, deposit account applications, and requests for information about accounts or products and services.

The bank also collects information as a result of transactions between the bank and our customers and as a result of providing a product or service to our customer. This includes transaction information from checks, debit cards, credit cards, automated teller machine (ATM) cards, and electronic transfers (ex: home banking or automated clearing house (ACH) transactions).

Nonpublic information does not include information obtained from government records, widely distributed media, or government-mandated disclosures.

Oxford Bank collects, retains, and uses information about our customers only where we believe it would be useful, and permitted by law, to conduct the bank’s business and to provide products, services, and other solutions for our customers financial needs.

Maintenance of Accurate Information
Oxford Bank will do its best to ensure that a customer’s financial information is accurate, current, and complete in accordance with reasonable commercial standards. We investigate and respond to customer requests to correct inaccurate information in a timely manner.

Restrictions on the Disclosure of Account Information
Oxford Bank does not now, nor does it intend to in the future, disclose any personal financial information to any nonaffiliated or affiliated third party. By law the bank may disclose certain personally identifiable information without allowing consumers the right to opt out of the bank’s sharing agreements in the following circumstances:

  • to companies that perform transaction processing for the bank;
  • to disclose information necessary to enforce the bank’s legal or contractual rights or the rights of any other person who is engaged in the financial transaction;
  • to disclose information required in the ordinary course of banking business;
  • to the extent permissible under the Right to Financial Privacy Act;
  • to a consumer reporting agency under the Fair Credit Reporting Act;
  • to comply with federal, state, or local laws, rules, and other applicable legal requirements.
  • We may disclose the information we collect to companies that perform marketing services on our behalf.

Maintaining Customer Privacy in Business Relationships with Third Parties
If personally identifiable customer information is provided to a third party, Oxford Bank will insist that the third party adhere to similar privacy principles that provide for keeping such information confidential.

Safeguarding Customer Information

Oxford Bank protects consumer privacy by ensuring that only employees who have a business reason for knowing information have access to it. The bank has appointed a financial privacy coordinator who is responsible for maintaining internal procedures to ensure that our customers’ information is protected.

All employees have a copy of this policy and are trained regarding the importance of safeguarding customer information. The financial privacy coordinator, the human resources director, and the appropriate department manager will take disciplinary action against any employee who violates the bank’s privacy policy and procedures.

If we change our policy or practice by, for example, adding a category of information that will be disclosed to a third party, the bank will notify existing customers and give them an appropriate time period to opt out of the disclosure.

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