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Thank you for visiting Oxford University Bank. We are your hometown, home-owned Bank. We're dedicated to providing the citizens of Lafayette and Pontotoc Counties and the surrounding area with a level of personal services that's hard to find in this modern era of megabanks and automated financial services.

Rest assured that here, you're more than a number — you're family.


We're proud to offer a Kasasa®, a suite of free checking accounts designed for customers who want something more from banking. Kasasa Cash®, Kasasa Cash Back®, and Kasasa Tunes® offer rewards just for doing the things that make banking easier.

From auto loans and home mortgage loans, to commercial real estate loans, we're proud to offer low rates on financing to our personal and business customers. Our expert lenders know the North Mississippi market and can tailor a payment plan to your particular needs.

A common misconception is that the megabanks are the only ones that offer technological conveniences that make around-the-clock account management possible. Oxford University Bank also offers online banking with the option for Bill Pay, so you can manage your OU Bank accounts and make payments to third parties without visiting a branch! OU Bank-issued MasterCard® debit cards make purchases easy and are accepted worldwide.

Yesterday, Today, and Tomorrow

Oxford University Bank was founded to make a difference in the delivery of exceptional service, and to provide a full array of modern financial services coupled with personal service that we think you will not find elsewhere. We hope you will come and join the OUB family for a lifetime.