FNB OXFORD Routing Numbers — All States

FNB OXFORD Routing Numbers — Complete State Directory

FNB OXFORD is registered with the American Bankers Association (ABA) and participates in the US ACH and Fedwire payment networks across 1 states. Every ABA routing number is a unique 9-digit code that identifies FNB OXFORD (or a specific state office of FNB OXFORD) within the Federal Reserve's payment infrastructure. BankZop's FNB OXFORD routing number directory covers all 1 active routing records, sourced from the official ABA routing registry and the Federal Reserve E-Payments Routing Directory.

You need the correct FNB OXFORD routing number whenever you set up direct deposit for payroll, register your account for ACH bill payments, provide banking details for tax refunds, or initiate a domestic wire transfer. Selecting the wrong routing number — particularly for a different state — can result in rejected transactions or delayed payments.

What is the Routing Number for FNB OXFORD?

FNB OXFORD has 1 routing number registered across 1 states. Unlike smaller community banks that operate with a single routing number nationwide, large institutions like FNB OXFORD maintain state-specific routing numbers — a legacy of the regional banking structure established when the ABA routing system was created in 1910. Your FNB OXFORD routing number is determined by the state where your account was originally opened, not your current address.

The 9-digit ABA routing number encodes three components: the Federal Reserve district (digits 1–4), the ABA institution identifier (digits 5–8), and a mathematical check digit (digit 9) that allows computers to instantly detect entry errors. Select your state above to find the exact routing number for FNB OXFORD in your state.

How to Find Your FNB OXFORD Routing Number

BankZop provides the fastest way to find the correct FNB OXFORD routing number for your state. Use the drill-down above:

• Step 1 — Select State: Choose the state where your FNB OXFORD account was opened from the list above. Use the filter box to find your state instantly.
• Step 2 — Select City: After selecting your state, choose the city associated with your FNB OXFORD routing number.
• Step 3 — Select Number: Pick the specific routing number from the list for that city.
• Step 4 — View Result: The result page displays the full 9-digit routing number with a one-click Copy button, along with the bank name, address, city, state, ZIP, and phone number.

Alternatively, your FNB OXFORD routing number is printed at the bottom-left of any personal check in the MICR line — it is always the first 9-digit sequence. You can also find it in your FNB OXFORD online banking under Account Details, on your monthly statement, or by calling FNB OXFORD's customer service number printed on the back of your debit card.

When You Need the FNB OXFORD Routing Number

Direct Deposit Setup

When setting up payroll direct deposit, IRS tax refunds, Social Security benefits, or any other recurring payment to your FNB OXFORD account, you must provide your routing number alongside your account number. Your employer or the paying agency uses these details to initiate an ACH credit that deposits funds directly into your account on the scheduled date. Use the correct state-specific FNB OXFORD routing number — the one assigned to the state where your account was opened.

ACH Transfers and Bill Payments

ACH is the backbone of US electronic payments — used for online bill payments, subscription services, peer-to-peer transfers, and business payroll. When you authorise a company to debit your FNB OXFORD account electronically, you provide the FNB OXFORD routing number and your account number. The ACH network, governed by NACHA, uses the routing number to direct the debit or credit to the correct financial institution. Standard ACH settles in 1–2 business days; Same Day ACH settles same-day for transactions submitted before the cut-off.

Domestic Wire Transfers

Domestic wire transfers move funds in real time through the Federal Reserve's Fedwire system and settle on the same business day. Important: FNB OXFORD may use a different routing number for wire transfers than for ACH. Always confirm the correct wire routing number with FNB OXFORD's wire department before initiating a wire — using the ACH routing number for a wire transfer may cause it to be rejected or delayed. For international wire transfers, you need the FNB OXFORD SWIFT/BIC code instead of the routing number.

Check Payments

The routing number printed on your FNB OXFORD checks is the same as your ACH routing number. When you write a check, the routing number in the MICR line at the bottom allows the Federal Reserve's check clearing system to identify FNB OXFORD as the paying bank and route the check back for settlement. Paper check processing has declined significantly with ACH adoption, but routing numbers remain essential for check payment infrastructure.

FNB OXFORD Routing Number vs Account Number — Key Differences

These two numbers are always required together for any ACH or wire transaction. They are easy to confuse — here is exactly how they differ:

Never share your account number more than necessary — it gives access to your specific account. Your routing number is public information (all FNB OXFORD customers in your state share it), but your account number must be protected. For international transfers, neither the routing number nor account number is sufficient alone — you also need the FNB OXFORD SWIFT code.

FNB OXFORD Routing Numbers by State

FNB OXFORD operates across 1 US states with 1 routing number registered in the ABA directory. Click any state below to browse routing numbers directly:

Routing number counts reflect active ABA records as of Jun 2026. Data sourced from the Federal Reserve E-Payments Routing Directory.

To find routing numbers for other banks, visit the Routing Number Lookup homepage. For international wire transfers, use the SWIFT Code Lookup. For Indian bank transfers, use the IFSC Code Lookup. To calculate loan repayments, try the free EMI Calculator.