Earn up to a CHF 500 welcome bonus, enjoy no monthly fees with qualified activity, and unlock 5.25% APY high-yield savings. Your money works harder from day one — backed by a century of unwavering trust and FDIC protection.
Whether you're starting out, building wealth, or planning for the future — we have an account engineered to move you forward with confidence and clarity.
Smart, everyday banking with a CHF 500 new-customer bonus. No minimum balance requirement and unlimited check writing.
Our flagship account with zero monthly fees, unlimited ATM fee rebates, and exclusive access to 5.25% APY Accelerate Savings.
Built exclusively for students aged 17–24. No monthly fees, no minimums, CHF 300 welcome bonus, and free overdraft protection up to CHF 100.
Elevate your savings strategy with award-winning high-yield accounts and guaranteed-return CDs up to 5.60% APY.
Every Oxnard checking account comes with FDIC insurance, 24/7 fraud monitoring, and our award-winning mobile app. No surprises, just progress.
The foundation of everyday banking — a powerful, no-nonsense account that rewards you from the moment you join. Enjoy unlimited free transactions, mobile check deposit, and instant access to your money with Apple Pay and Google Pay.
Our premier relationship account designed for those who demand more. Zero fees, unlimited ATM rebates worldwide, complimentary checks, and automatic enrollment in our market-leading Accelerate Savings at 5.25% APY.
The smarter way to bank through college. Built for students aged 17–24 with absolutely no fees, no minimum balance requirements, and a generous welcome bonus to kick off your academic journey right.
Pair any Oxnard checking account with our award-winning Accelerate Savings and watch your money grow at 5.25% APY. Transfers are instant, withdrawals are free, and your savings are always FDIC-insured.
A clear, unbiased view of every feature so you can select the checking account that aligns perfectly with your financial life.
| Feature |
Regular Checking
Open
|
Premier Checking
Open
|
Student Checking
Open
|
Accelerate Savings
Open
|
|---|---|---|---|---|
| Welcome Bonus | CHF 500 with qualifying deposits | CHF 500 + 5.25% savings APY | CHF 300 Student Bonus | — |
| Minimum to Open | CHF 0 | CHF 0 | CHF 0 | CHF 0 |
| Monthly Service Fee | CHF 10 — waived with CHF 1.5k balance or DD | CHF 0 — no conditions with EDD | CHF 0 — always | CHF 0 — always |
| Minimum Daily Balance | None | None | None | None |
| In-Network ATMs | 80,000+ fee-free | 80,000+ + ALL ATMs rebated | 40,000+ fee-free | 80,000+ fee-free |
| Out-of-Network ATM Fee | CHF 2.50 per withdrawal | CHF 0 — unlimited rebates worldwide | CHF 2.50 (waived first 5/mo) | CHF 2.50 per withdrawal |
| Overdraft Protection | CHF 35 per item, optional transfer | Up to CHF 250 — no fee coverage | Up to CHF 100 — no fee coverage | — |
| Mobile Check Deposit | ✓ Free, instant after first 30 days | ✓ Free, instant — always | ✓ Free, instant — always | ✓ Free, instant — always |
| Linked Savings APY | 4.50% APY Standard Savings | 5.25% APY Accelerate Savings | 4.25% APY Student Savings | 5.25% APY Standalone |
| Paper Checks | First order CHF 19.95 | ✓ Free standard checks — unlimited | Digital checks only (free) | — |
| Identity Protection | Standard fraud monitoring | Premium: dark web + ID theft ins. | Standard fraud monitoring | Standard fraud monitoring |
| Relationship Discounts | 0.25% APR loan discount | 0.50% APR loan + preferred card terms | Student-exclusive credit card path | Bundled with checking |
| Best For | Everyday banking, first account | Wealth builders, frequent travelers | Students 17–24, college life | Growing savings faster |
Most customers finish their application in under 5 minutes. No branch visit, no paperwork, no waiting. Start banking the way you deserve — secure, fast, and completely digital.
Join more than 16 million Americans who trust Oxnard with their life's savings, goals, and dreams. Backed by FDIC insurance. Powered by the latest in banking innovation. Built on a foundation of unshakable trust since 1887.