Welcome Oxford Bank Customers! This website will be your one-stop throughout the transition from Oxford to GreenState. Curious about the $5 Membership? Learn about your membership in GreenState.


Welcome to GreenState!

Oxford Bank is about to become GreenState. Please check back often for the latest updates on the transition to GreenState.

Latest Updates

Updated March 21, 2022:

The conversion from Oxford Bank to GreenState Credit Union is complete! You are now able to access all your accounts in GreenState Online Banking (follow these login steps)

If you have any questions, please chat with us or call us at (844) 355-9891. Welcome to GreenState!

Follow Us Online on Facebook, Instagram, Twitter, and LinkedIn

Transition Schedule
You should have received your comprehensive conversion schedule in the mail in mid-February. If not, select the correct link below to download the full weekend packet. Key dates and times you need to know are listed below.

Retail Conversion Schedule
Note: The date of the Bill Pay closure has changed to March 17 at 5:00 PM Central.
Commercial Conversion Schedule

Key Dates

  • Bill Pay: Will be unavailable beginning on March 17 at 5 PM Central Time. (This is a change from what is printed in the schedule.)
  • Debit Card: Oxford cards will continue to work until the morning of March 21.
  • Mobile Deposit: Access to Mobile Deposit will end on March 14 at 4:00 PM Central Time.
  • Online Banking: Access to Oxford Online Banking will end at 7:00 PM on March 18. You will need to download any eStatements you need as these will note be available in GreenState Online Banking.

In early March you will receive a letter in the mail from GreenState with your new account number and routing number for your checking account. All retail members will be receiving a box of free checks and all business members will be able to receive a reimbursement of 75% up to $100 on the first order of checks. You may continue using your old Oxford checks after the conversion if needed for a short period of time.

Debit Cards

If you have a debit card with your checking account, you should receive two envelopes by March 19, 2022.

  1. A letter in a GreenState envelope which will detail your new card and include information on which card it will replace.
  2. A plain white envelope with your new GreenState Debit Card. This envelope will include instructions on activating your card, setting up your PIN, and adding your card to your Digital Wallet.  

As a reminder, your Oxford Bank Debit Card will be turned off in the morning of March 21. If you have any automatic payments connected to your Oxford card, be sure to update those on March 21.

Once you receive your card, you may activate it right away and begin using it Monday morning, March 21.

  1. Call 888-691-8661 to activate your new card. It is important to activate your new card once you receive it because your Oxford card will be deactivated on Monday, March 21.
  2. Set up your 4-digit PIN by calling 888-891-2435. Your Oxford PIN will not carry over to this new card.

If you don’t receive your card by March 21, call 844-355-9891 or visit any GreenState branch on (or after) March 21 to get your card instantly issued.

Online Banking
Quickly and easily get set up with GreenState Online Banking beginning on March 21!

  1. Visit GreenState.org
  2. Select "Log In"
  3. Use the following credentials to log into Online Banking for the first time:
    • Login ID: Your Oxford Bank Online Banking Login ID
    • Password: Previous Online Banking Password*
    • *You will need to change your password on your first login.
Note: A 6-digit secure access code will be sent via phone or text message to complete the sign-up process. (If your mobile number was not on file with Oxford, you will need to connect with us via the three options below to connect your mobile number with your account to complete this step.)

Note for Former Oxford Business Banking Users

If you are a former-Oxford client who worked on the business Online Banking platform, you will need to utilize your User ID and Company ID when accessing GreenState Online Banking.

For instance, if your User ID was BUSINESSABC and your Company ID was 123, your GreenState Username is: BUSINESSABC123. Your password will remain the same.

If you have users that need access to your accounts via Online Banking, please reach out to our support team via chat, emailing BecomingGreenState@GreenState.org, or call 844-355-9891.

Service Change Notice
All auto loan and manufactured home loan customers will receive a standard notice notifying you of the servicing transfer from Oxford Bank to GreenState Credit Union. This document details the new mailing address for your payments and the direct number should you have any questions.

Your $5 Membership
Your $5 membership into GreenState has been covered on your behalf by GreenState. This one-time deposit is in your savings share account. You do not own us any fee for this membership.

Quicken / Quickbooks Users
GreenState is migrating all Oxford Bank accounts to a new online and mobile banking system on March 21, 2022. This upgrade will require that you make changes to your QuickBooks or Quicken software, so please take action to ensure a smooth transition.

Conversion instructions are available below. The conversion instructions reference two Action Dates. Please use the dates provided below:

1st Action Date: March 18, 2022
A data file backup and a final transaction download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade.

2nd Action Date: March 21, 2022
This is the action date for the remaining steps on the conversion instructions. You will complete the deactivate/reactivate of your online banking connection to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection.

Intuit aggregation services may be interrupted for up to 3-5 business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:

  • Quicken Win/Mac Express Web Connect
  • QuickBooks Online Express Web Connect
  • Mint

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register.

Quicken Conversion Instructions

QuickBooks Online Conversion Instructions

QuickBooks Desktop Conversion Instructions

Mint Conversion Instructions


We are very excited to welcome you to GreenState Credit Union. We are confident you will find membership with GreenState Credit Union provides you, your family and your business with great value, service and convenience. Our combined team will offer you a greater variety of financial solutions, innovative access to your accounts, and competitive savings and loan rates – both for commercial and consumer relationships. Ultimately, we will be able to serve you in more ways, and in ways that also enhance our commitment to our local communities.

We understand that you may have some questions related to the acquisition, so we’re providing answers to some of these key and important questions.



Why is Oxford Bank & Trust being acquired by GreenState Credit Union? 

In early 2020 Oxford Bank & Trust began assessing its strategic options. GreenState Credit Union was contacted in this process, and it was determined to be a good fit for both Oxford and GreenState. As Iowa’s largest credit union and one of the largest in the US, we exist to create lasting value for those we serve and have been taking great care of member-owners since we were formed back in 1938. Our goal is to return our profits back to those member-owners in the form of better rates on deposits and loans.

GreenState members find value in membership benefits even beyond Iowa borders. GreenState already has over 13,000 members living in Illinois, and once joined with Oxford Bank, we plan to serve Oxford customers and GreenState members with a combination of branch locations, a full-service call center, and a host of free digital services.


How large is GreenState Credit Union and where are they located?

GreenState Credit Union is headquartered 2355 Landon Road, North Liberty, IA 52317. The credit union serves over 320,000 members with assets in excess of $7.8 billion. The credit union operates 24 branches throughout Iowa and belongs to the CO-OP ATM network, which provides members access to 30,000 surcharge-free ATMs and 24/7 phone support. For branch locations and hours, visit https://www.greenstate.org/connect/locations/branch-and-atm-finder.html.

GreenState is recognized as a leader in commercial, retail and mortgage lending. It offers highly competitive deposit products and checking accounts. It also provides the services of insurance, wealth management, and trust. It is recognized as a Top Employer by the Des Moines Register and it is ranked in the Top 1% of credit unions and banks for returning profits to its members (Callahan and Associates Return of Member Score).


Will there be changes to the staff of Oxford Bank?

Oxford Bank employees will become GreenState employees, sharing a commitment to deliver financial services and expertise to families and small businesses throughout the communities we serve. All Oxford Bank locations will remain open to serve you.


Who will be the President/CEO?

Jeff Disterhoft is the current President/CEO of GreenState and will continue in that role. Bruce Glawe, the current Oxford Bank President/CEO, will become Market President of GreenState’s Chicago-area operations.


Will there be changes to the Board of Directors?

The current Board of Directors of GreenState will remain unchanged as a result of the transaction. The Board of Directors of Oxford Bank & Trust will cease to exist because Oxford Bank & Trust will dissolve.



Where will the headquarters be located?

The headquarters of GreenState are at 2355 Landon Road, North Liberty, IA 52317. GreenState is proud to maintain a strong local and community focus throughout the Midwest. We are not only committed to being a top rate employer, but also giving back to the communities we serve through charitable contributions and volunteer support. We are excited to bring this giveback philosophy to the great state of Illinois. GreenState’s Chicago-area operations will continue to be based at 1111 W. 22nd Street, Oak Brook, IL 60523.


When will I see signage begin to change at branch locations?

Branch signage will change on or around the time of acquisition closing which is scheduled for December 31, 2021.


Are you planning to close any branch locations?

No, Oxford Bank & Trust branch locations in Addison, Naperville, Plainfield and Westmont will be maintained and incorporated with GreenState’s, resulting in a network of 33 service locations throughout Iowa and Illinois markets. We continually monitor the performance of each branch location to ensure we are meeting the needs of our membership and the markets in which we operate.



What’s the benefit to me related to this acquisition?

During the transition from Oxford to GreenState and until our core systems are fully integrated in early 2022, you will have access to the existing products and services you enjoy now. Once the transition to GreenState is completed, new opportunities will be added to your current products/services including

  • Better rates on loans and deposit accounts
  • Greater selection of personal loans
  • Availability of home mortgages
  • Availability of Home Equity Loans and Home Equity Lines of Credit
  • Availability of business and commercial real estate loans
  • Complete selection of checking, savings, money market and certificate accounts
  • Use of your GreenState Credit Union debit card at 30,000 locations of the CO-OP ATM Network
  • Online and mobile banking services

As a member-owned, not-for-profit financial cooperative where profits cycle back to the members, GreenState is able to offer competitive rates and lower fees and return excess capital to members when the credit union performs well.

Will my account number change?

Yes, In the months ahead, our systems integration will require a change to account number structures. We will work to minimize any changes made to accounts. We understand that this type of change may cause disruption, so our commitment is to make any transition as smooth as possible so that you experience no hiccups in accessing your accounts. You will receive a detailed transition schedule and documentation with all the information you may need in February 2022.

Will my consumer loans (home equity, auto, home equity lines of credit, etc.) remain the same?

Your existing consumer loans will transfer to GreenState and will retain the same terms and payment calculations.

When and how will I receive my account statement from GreenState?

At month end, GreenState will generate and deliver your account statement using your chosen delivery method (paper or online). If your account has not had any activity in the current month, you will default to a quarterly statement (January, April, July, October) until you have activity which will then be produced monthly.

Will my certificate rates change?

All certificate products will retain their rate structure and term when converted to GreenState.

Will my safety deposit box change?

All safety deposit boxes will remain and retain their rate structure when converted to GreenState.


Will I need to update my ACH (Automated Clearing House) transactions (social security, payroll, etc.)?

ACH transactions (credits and debits) will continue to post without interruption and without any need to update on your part. However, if you prefer, you can contact any business whom you execute ACH payments or deposits to provide GreenState’s routing number (273975098) along with your new account number after our system integration in March 2022.


How will this affect my rates and service charges/fees?

Your current rates and services you receive today will continue until we integrate systems. This integration is planned to be in the first quarter of 2022. As part of our systems integration, we will review all services provided to members, including service charges, to make sure we provide consistent, low-cost access to the most innovative financial services. If any service changes/fees increase or change we will provide at least 30 days prior notice of any changes. To review GreenState’s current service pricing information please visit https://www.greenstate.org/fees-and-disclosures.html


Will my deposits continue to be federally insured?

GreenState is insured by the NCUA (National Credit Union Administration) through the NCUSIF (National Credit Union Share Insurance Fund). NCUA Insurance is structured similar to FDIC Insurance. Your deposits will continue to be federally insured to the maximum amount available, currently, to at least $250,000 per depositor, and backed by the full faith and credit of the United States Government. Credit union members have never lost a penny of insured savings at a federally insured credit union.

Go to NCUA's website at www.ncua.gov and FDIC's website at www.fdic.gov for more detailed information about deposit insurance. Please see a helpful comparison guide at the end of this document for reviewing differences between NCUA and FDIC insurance.


What happens if I already have both a GreenState Credit Union account and an Oxford Bank account?

After the proposed transaction closes, you will continue to have both accounts available for you at GreenState.


Will I still be able to use my current checks?

Yes, you will continue to be able to use your current checks following our acquisition. At the time of our core systems integration, a complimentary box of new checks will be provided to you.


Will I still be able to use my debit card?

Yes, you will continue to be able to use your current Debit Card following the purchase transaction. At the time of our core systems integration, we will provide you with a new card.


What is GreenState’s routing and transit number?

GreenState’s routing and transit number is 273975098.


Will my online banking change?

You will access a different online banking system. You will be notified well in advance of any changes, new applications, and whether these changes include any new requirements in accessing your information.


When the Bank’s name changes, will my direct deposit still work?

Your direct deposit and automated regular withdrawals will continue to work without interruption. When we complete our core systems integration and routing number changes we will work with you on communication of the change and confirm no interruption to your electronic direct deposit or automated regular withdrawals.


How will I get to the credit union’s website?

Leading up to the acquisition, continue to visit Oxford Bank and Trust online at https://www.oxford.bank/home. Following our acquisition our official website and links to online banking will become accessible from www.greenstate.org/.


Will employee emails and phone numbers change?

Following the acquisition, employees will be provided new email addresses that reference GreenState Credit Union. We will notify you with anticipated changes in our contact information well in advance of any changes.


Will there be changes to your hours?

We continually review our hours of operations in all the regions where we operate in order to best serve our growing membership. Currently there are no plans to change the hours of operation.


Will there be any changes to my account notices and statements?

Your account notices and statements will have a new updated look with GreenState Credit Union.


Who do I contact if I have additional questions?

We want to hear from you to help answer any additional questions you might have about our announcement and acquisition. Please call Oxford Bank and Trust at 630-629-5000 or GreenState Credit Union at 844-355-9891. You may also email us at becominggreenstate@greenstate.org


How can I connect and learn more about GreenState?

You can browse our full website at http://greenstate.org or call the dedicate Oxford help-line at 844-355-9891. You may also follow us on social media to get to know us better!

Facebook: https://www.facebook.com/GreenStateCU

LinkedIn: https://www.linkedin.com/company/40778606/

Twitter: https://twitter.com/GreenStateCU

Instagram: https://www.instagram.com/greenstatecu/

What are GreenState’s hours?  (these are COVID hours subject to change)

Branch Lobby Hours
Monday, Tuesday, Wednesday, Thursday, Friday  9 am to 5:30 pm
Saturday 9 am to 12 pm
Branch Drive-Up Hours
Monday, Tuesday, Wednesday, Thursday, Friday 8:30 am to 5:30 pm
Saturday 9 am to 12 pm
Call Center Hours
Monday, Tuesday, Wednesday, Thursday, Friday 7 am to 6 pm
Saturday 8:30 am – 12:30 pm