Personal Interest Bearing Deposit Accounts

The balance computation method we use to calculate all interest bearing accounts is the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day.


Savings

 

Our savings account earns a competitive interest rate which is compounded and paid quarterly on balances of $10 or more and provides unlimited deposits and three withdrawals per quarter at no charge. A minimum opening deposit 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
  • Withdrawals – Maximum of 6 per statement cycle
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access

Christmas Club Savings Account

 

Our Christmas Club account earns a competitive interest rate which is compounded and paid quarterly on balances of $1 or more and provides unlimited deposits. A minimum opening deposit of $1 is required.

  • Variable Interest Rate
  • You must deposit $1 to open this account
  • You must maintain a minimum of $1 in the account each day to obtain disclosed APY
  • No withdrawals allowed on this account unless to close the account.
  • Account begins November 1st & ends October 31st of each year
  • Deposits may be made anytime during this period.
  • On October 31st the bank will then transfer the balance of the account to a cashiers check to the customer(s)
  • Easy to balance image statements
  • FREE Internet banking access
  • FREE telephone banking access

CD’s and IRA’s

 
Certificates of Deposit
Our time deposits are available to customers who want the highest interest rates First National Bank of Oklahoma offers. All time deposits are FDIC insured as are all our deposits. Certificates of Deposit are available with maturities from 30 days to 4 years with a fixed rate of interest for the term. A minimum deposit of $1,000 is required to open certificates of deposit.

Contact the bank for rates information


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. See your nearest office for deposit details. A minimum opening deposit is required.

  • Variable Interest Rate
  • $5 service charge for balances below $1,500
  • Interest compounded & credited monthly
  • No Interest Paid on balances below $5,000
  • Withdrawals-Maximum of 6 per statement cycle
  • $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

NOW Account

 

A checking account that also pays you interest. To avoid a monthly service charge you must maintain a balance of at least $500.00 This account is designed for those who want to put their money to work for them. A minimum opening deposit is required

  • Variable Interest Rate
  • $7.50 service charge if balance falls below $500.00
  • 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 $500.00

Advantage Checking Account – Ponca City & Tonkawa

 

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 service charge 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 $500.00

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