Personal

From opening your first checking account to researching retirement accounts,
First National Bank of Oklahoma has solutions that are perfectly suited to fit your needs.

Personal

From opening your first checking account to researching retirement accounts,
First National Bank of Oklahoma has solutions that are perfectly suited to fit your needs.

Deposit Accounts

We have an account that’s right for you.

Internet banking and mobile banking access are just some of the great features First National Bank of Oklahoma offers. Please select an account type to learn more about our deposit accounts.

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

Interest-Bearing

Personal Interest-Bearing Deposit Accounts

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.

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.

  • Variable Interest Rate
  • Minimum deposit of $1.00 to open 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 mail a check for the balance of the account to the customer(s)
  • Easy-to-balance yearly statements (issued end of October)
  • Internet banking access
  • Mobile banking access

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.

  • Variable Interest Rate
  • $1,500 opening deposit
  • Minimum balance of $1,500 required to waive service charge of $5.00
  • Interest compounded & credited monthly
  • No interest paid on balances below $5,000
  • Maximum of 6 withdrawals per statement cycle
  • $10 fee for each debit over 6 per statement cycle
  • Easy-to-balance image statements
  • Internet banking access

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 on balances of $500.00 and above
  • $7.50 service charge if aggregate deposits fall below $2,000
  • Unlimited check writing
  • Easy-to-balance image statements
  • Internet banking access
  • Mobile banking access
  • Visa Debit Card (application approval required)
  • Free Cashier’s 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.

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
  • Minimum balance of $10.00 to earn interest
  • Withdrawals – Maximum of 6 per statement cycle
  • Easy-to-balance statements/e-Statements
  • Internet 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.

NOW Account

A checking account that also pays you interest. To avoid a monthly service charge you must maintain a balance of at least $1,000.00 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 on balances $500.00 and above
  • $7.50 service charge if balance falls below $1,000.00
  • 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

Non-Interest Bearing

Personal Non-Interest Bearing Deposit Accounts

FastNet Checking

  • A minimum opening deposit is required.
  • Unlimited electronic withdrawals (25 cent charge for each paper item over 5 per statement)
  • e-Statements required ($10 charge for paper statements)
  • No monthly service charge
  • Visa Check Card (application approval required)
  • Internet banking access
  • Mobile banking access
  • FREE Online Bill Pay

Freedom Checking – Ponca City & Tonkawa

If you are age 55 or older, you deserve privileges. With our Freedom account, you will receive just that. No monthly service charge 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)
  • Internet banking access
  • Mobile banking access
  • Visa Check Card (application approval required)
  • FREE Cashier’s Checks and Money Orders
  • Complimentary first order of checks (Blue Specialty Wallet Style Singles) 

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

First Checking

With this basic checking plan, enjoy unlimited check-writing privileges for a monthly service charge. A minimum opening deposit is required.

  • No minimum balance requirements to maintain
  • Unlimited check writing
  • Monthly service charge of $6.50
  • Easy-to-balance image statements
  • Internet banking access
  • Mobile banking access
  • Visa Debit Card (application approval required)

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