Thanks for showing interest in our services. Please fill out the form below and we’ll be in touch to answer any questions and help you set up your account.

Feel free to call us with any questions – (662) 234-2821

Any information you send is unsecure and could be observed by a third party while in transit. Do not submit passwords, full account numbers, or any other information that you would like to keep private.

If you are an Online Banking customer, you can submit secure e-mail from within the system. Secure email messages are written to a database and only available through authorized access.

Security & Privacy

Secured Data Transmission

The Online Banking System combined with digital ID authentication through VeriSign allows the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.

Privacy Statement (PDF)

Overdraft Protection (Link)

FNB Oxford Business Services Terms & Conditions

Consumer – FNB Oxford E-Banking Agreement 04.07.2022

Community Reinvestment Act Notice

Under the federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of St. Louis (Reserve Bank); and comments received from the public relating to our performance in helping to meet the community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, The Federal Reserve system publishes a nationwide list of the banks that are scheduled for CRA examination by the Reserve Bank in that quarter. This list is available from the Reginal Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716. You may send written comments about our performance in helping to meet community credit needs to Peyton Atchley, Executive Vice President & CFO, P.O. Box 847, Oxford, MS 38655 and Regional Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Reserve Bank. You may also request from the Reserve Bank an announcement of our application covered by the CRA filed with the Reserve Bank. We are an affiliate of First National Holding Company, a bank holding company. You may request from the Regional Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716 an announcement of applications covered by the CRA filed by bank holding companies.

FDIC Insurance

FNB Oxford is participating in the FDIC’s Transaction Account Guarantee Program. By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: