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In the evolving world of finance, understanding the ins and outs of banking is more crucial than ever. Being well-informed about banking processes can make a significant difference in your financial health and sense of control regarding your finances. Being knowledgeable about account opening procedures, loan requirements, or planning for retirement gives you a heavy edge. At First National Bank of Oklahoma, we are committed to empowering and guiding our customers through each process and our best tips and tricks. We recently polled our staff on what they thought the most frequently asked questions were by customers and have created this blog to help answer some of those questions. By jumping into these financial FAQ’s, you’ll be better prepared to leverage our services and make your financial goals happen this year and beyond.
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What information do I need to open an account with First National Bank of Oklahoma?
A – You will need a primary and secondary form of ID, with one of them being a photo ID. Examples of a primary ID are a state issued Driver’s License or Passport. A secondary ID would include a Social Security Card, Birth Certificate, Voter’s ID card or Student ID.
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How do I set up a recurring automatic payment to come out of my account?
A – To set up a recurring payment draft, you will need to provide the company you need to pay with your account number and routing number. You can also do this by using your card at some merchants, just depending on what information they request.
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What is First National Bank of Oklahoma’s routing number?
A – 103111252
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How do I activate my debit card?
A – Please call 580-762-2265 or 580-628-2265 to activate your card over the phone with one of our customer service representatives. You can also visit your local branch to activate the card.
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Are there any charges for checks or debit card replacements?
A – While we do have account types that offer free checks, if you aren’t in this account type then you will usually have to pay for check replacements.
When opening your new accounts with us you will receive your first debit card for free as well as your first replacement for free. Due to our high-end metal debit card option, if you need too many replacements then we will eventually have to charge a fee, or you can opt for our plastic card option. -
How do I set up my online banking so I can view my accounts online or on the app?
A – We recommend contacting your local branch by phone or in person to set up your online banking profile. This way we can confirm all of your information is up to date and walk you through the details and features you need to know. You can download our app on Apple and Android devices from your respective app store to access your accounts on the go.
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How can I transfer funds to a bank or person outside First National Bank of Oklahoma?
A – You can either setup an external account in your online banking (desktop version), or you can send a wire transfer. You will need the other account number and routing number for either route you choose.
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What should I do if I suspect fraudulent activity on my account?
A – Contact your local branch immediately if you suspect any fraudulent charges. We can go over your account history with you and confirm.
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What if I need to report fraudulent activity outside of regular banking hours?
A – Please call 580-628-2265 and select Option 2. If your debit card is already locked, select Option 3 to speak with a representative.
You can also protect your accounts by using our card controls feature inside the FNBOK Mobile Banking app. This will allow you to have access to freeze and unfreeze your card when you suspect something or if you lose your card. -
Why do I have to change my password for online banking so often?
A – Your financial security is our top priority, so it’s best to change your password more frequently to prevent any issues. While we may require this more than other businesses, our security is constantly updating with you in mind and changing your password every 6 months only helps you in the long run. You can change your password on our website, mobile app or call one of our branches to assist you.
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Why is my mobile deposit not showing on my account?
A – It may depend on your deposit amount. If you are depositing something on mobile that is larger, only $1,000 will be available right away and the remainder of the amount will be deposited the next business day.
If you get a notification that your deposit has failed, this may be due to filling out the info on the back of the check incorrectly. If this occurs, you can contact your local branch to assist further. -
Why can’t you print a debit card in the branch?
A – Our new debit cards have the contactless pay technology and are metal instead of regular plastic. Due to the material difference, it is required that all customer information (name, card number etc.) is laser engraved onto the card instead of printed like normal debit cards. We allow our expert vendors to laser engrave this information and in turn give you a better product.
In conclusion, we hope that answering these financial FAQ’s will not only equip you with essential knowledge but also empower you to know the ins and outs of your financial organization. Prioritizing financial security is crucial and being informed about safeguards like secure online banking practices, fraud protection and payments can give you piece of mind when taking care of your banking needs! Remember, First National Bank of Oklahoma is a valuable partner in your financial success and journey and we are here to help you stay informed, secure and reach your goals. If you have questions that are not mentioned, please contact one of our branches today and a customer service representative will be happy to assist you!