Credit Services Menu

To report a lost or stolen credit card, call (800) 423-7503.



Personal Credit Services

Four Oaks Bank offers a complete line of lending and financing services to help you manage life. Whether it's day-to-day purchases, your dream home, or the unexpected, we can help you with a solution.

Contact a Four Oaks Bank Loan Officer for complete details on any of our Personal Credit Services.

Credit Cards

Four Oaks Bank offers a variety of both Visa® and MasterCard® revolving credit products. Whether you pay off your credit card balance every month, or carry a balance from month to month; whether you use your credit card for daily purchases or big-ticket items, we have the credit card that's right for you. We invite you to shop and compare.

Service Features

These features apply to all Visa and MasterCard products offered by Four Oaks Bank.

  • Score CardScorecard Bonus Points – Each purchase you make with your Four Oaks Bank Visa or MasterCard earns you valuable Bonus Points you can redeem for brand-name merchandise and exciting travel rewards
  • $20 annual fee is waived for the first year
  • No annual fee for 1912 Charter Club customers
  • $10 late payment fee
  • $.50 minimum monthly finance charge
  • No fee for balance transfers
  • No fee for cash advances
  • No over credit limit fee
  • Go to to view account activity, make payments and set up notifications

Select the credit card plan that’s best for you and the way you use revolving credit.

Classic VISA or Classic MasterCard

  • Credit Limits from $500 to $4,999
  • Enjoy these additional services:
    • ScoreCard Bonus Points
    • Automatic Travel Accident Insurance
    • Extended Warranty
    • 90-Day Product Protection
    • Toll-Free Travel Reservation Service
    • Bonus Travel Dividends
    • Automobile Rental Discounts
    • Automobile Rental Insurance
    • Credit Card Registration
    • Key Registration
    • Travel Protection:
      • Lost Luggage Locater Service
      • Lost or Damaged Luggage Insurance
      • Hotel/Motel Theft Insurance
    • Medical Assistance
    • Concierge Service
    • Quarterly Newsletter

Visa Platinum or Platinum MasterCard

  • Credit limits of $5,000 and above.

Add the following additional services to those listed above:

  • Concierge Service
  • Travel Accident Insurance
  • Preferred Customer Service
  • CardCentives Privilege:
    • Identity Theft Insurance of $1,000
    • Identity Victim Assistance
    • Payment Card Registration
    • Travel Reservation Service
    • 90-Day Product Protection
    • Extended Warranty
    • Personal Shopper

Return to top

Consumer Loans

Four Oaks Bank offers consumer loans for a wide range of purposes. From a new car to home improvements, from college tuition to a wedding, as well as the unexpected; whatever your needs or wants, we can help you obtain the resources with a consumer loan from Four Oaks Bank. Simply contact your Four Oaks Bank branch office.

Service Features

  • Competitive rates
  • Flexible terms
  • Quick response
  • Local decisions
  • Receive a .50% discount when you have your loan payments automatically drafted from your Four Oaks Bank account

Types of Personal Loans include, but are not limited to:

  • Automobile Loans
  • Boat and RV Loans
  • Debt Consolidation Loans
  • Most any purpose

You will need to provide:

  • Your W-2 forms for the past 2 years
  • A recent pay stub

Return to top

Home Loans

We offer you access to a variety of residential real estate loans, one of which is sure to meet your specific needs.

  • Purchase / Refinance Loans
  • Home Construction Loans
  • Home Improvements Loans
  • Investment Properties
  • Second Homes
  • Rural Properties

Not only do we finance home construction, you can save money by converting your construction loan to permanent financing with Four Oaks Bank. Whether in-house or through our mortgage division, Four Oaks Mortgage, we have financing available to meet your needs.

Return to top

Home Equity Lines of Credit

You've worked hard to build the equity in your home, now put that equity to work for you with a Home Equity Line of Credit from Four Oaks Bank. Use funds for a large purchase, home improvement, debt consolidation, or simply the unexpected.

Home Equity Lines of Credit are secured by the borrower's equity in a personal residence. Four Oaks Bank offers three Home Equity Line products:

Return to top

PRA - Overdraft Protection

Personal Reserve Account (PRA) is our pre-approved checking credit line and overdraft protection, available to you anytime, anywhere. You can use it for special purchases, emergency cash, or protecting your checking from unexpected overdrafts. As you repay PRA, it becomes available to use again.  

Service Features 

  • Competitive rates and flexible payment terms are available
  • There is no charge to establish a PRA account and no annual fee
  • Finance charges only accrue when you use PRA
  • Funds are advanced to your checking account in increments of $100

NOTE: PRA is not available with Free Checking accounts.

Return to top