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(Not all products are offered at all locations. Check with your local bank for more details.)



Free Checking - Ponca City & Tonkawa

With Free Checking, you will receive simplified checking with no monthly service fee and no minimum balance requirement. A minimum opening deposit of $100 is required.



First Checking - Oklahoma City

With this basic checking plan, enjoy unlimited check-writing privileges for a flat monthly fee. A minimum opening deposit of $200 is required.

  • No minimum balance requirements to maintain
  • Unlimited check writing
  • $8.50 monthly maintenance fee
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access
  • FREE – Visa Debit Card
    (application approval required)


First Checking - Ponca City & Tonkawa

With this basic checking plan, enjoy unlimited check-writing privileges for a flat monthly fee. A minimum opening deposit of $100 is required.

  • No minimum balance requirements to maintain
  • Unlimited check writing
  • $6.50 monthly maintenance fee
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access
  • FREE – Visa Debit Card
    (application approval required)



Advantage Checking Account

The account that has it all! To avoid a monthly service charge you must maintain a combination of accounts with an aggregate balance of $2,000 or more. A minimum opening deposit of $250 is required.

  • Variable Interest Rate
  • $7.50 Maintenance Fee if aggregate deposits fall below $2,000
  • Unlimited check writing
  • Easy to balance image statements
  • FREE Printed checks (Grey Specialty Wallet Style)
  • FREE Internet banking access
  • FREE telephone banking access
  • FREE – Visa Debit Card
    (application approval required)
  • Free Travelers Checks, Cashiers Checks and Money Orders
  • Interest compounded & credited monthly
  • No interest paid on balances below $500




NOW Account

A checking account that also pays you interest. To avoid a monthly service charge you must maintain a balance of at least $1,000. This account is designed for those who want to put their money to work for them. A minimum opening deposit of $250 is required

  • Variable Interest Rate
  • $7.50 Maintenance Fee if balance falls below $1,000
  • Unlimited check writing
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access
  • FREE – Visa Check Card (application approval required)
  • Interest compounded & credited monthly
  • No interest paid on balances below $500


Freedom Checking

If you are age 55 or older, you deserve privileges. With our Freedom account, you will receive just that. No monthly maintenance fee or minimum balance requirements to maintain. A minimum opening deposit of $250 is required.

  • Unlimited Check Writing
  • Easy to balance image statements
    (large images are available upon request)
  • FREE Internet banking access
  • FREE telephone banking access
  • FREE – Visa Check Card
    (application approval required)
  • Free Travelers Checks, Cashiers Checks and Money Orders.


Money Market Checking

The higher your balance, the higher rate of interest you earn. This tiered interest-bearing checking account is ideal for individuals who only write a few checks each month. A minimum opening deposit of $1,500 is required.

  • Variable Interest Rate
  • $5 maintenance fee for balances below $1,500
  • Interest compounded & credited monthly
  • No Interest Paid on balances below $500
  • Withdrawals-Maximum of 6 per statement;
    three (3) of which can be by check to a third party.
  • $10 fee for each debit over 6 per statement cycle
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access
  • No VISA Debit Card or ATM Card will be issued


Savings

Our savings account earns a competitive interest rate which is compounded and paid quarterly on balances of $100 or more and provides unlimited deposits and three withdrawals per quarter at no charge. A minimum opening deposit of $100 is required.

  • Variable Interest Rate
  • $3 quarterly service charge for balances of less than $100
  • $1 service charge per withdrawal after THREE
  • No interest paid on balances below $10
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access

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FIRST NATIONAL BANK OF OKLAHOMA
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