Business Deposit Accounts

First National Bank of Oklahoma has all the business banking tools you need to allow your business to thrive. From money market accounts to cash management services and free small business checking, we are here to help. Please review a business banking account below for more information.

Commercial Checking

Unique to your company size, account balance and spending habits, a Commercial Checking Account allows you to offset monthly fees with an earnings credit on balances kept in your account. We’re committed to helping you achieve your goals.

  • No minimum balance requirements.
  • Monthly maintenance fee of $7.50
  • Checks or Withdrawals $.15 each
  • Deposit Items $.08 each
  • Easy to balance image statements
  • Internet banking access

Earnings credit is based on 91-day T-bill rate and is subject to change. (A 10% per annum interest charge will be assessed daily on negative collected balances in the account until a deposit is made and the overdraft removed.)

Small Business Checking

With no monthly maintenance fee, this account is ideal for small to medium sized businesses.

  • $500.00 opening balance
  • No minimum balance requirements
  • 250 free deposit items, checks and/or withdrawals per statement cycle
  • $.30 for items over 250 per statement cycle
  • Visa business debit card
  • Online banking
  • E-Statements required
  • Night depository bag(s) with signed agreement available


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.

Business Loans

Invest in the future with a loan that opens doors to new opportunities. Whether you’re expanding an existing business or starting a new venture, we’re here to help you succeed and thrive. At First National Bank of Oklahoma, we work hard to get you where you want to go and make your dreams a reality. Contact us at any branch today to talk with our team and get started.


We offer a full range of commercial lending services, all focused on meeting your business credit needs.

As a locally owned and independent bank in Oklahoma, we provide flexibility in our terms, structure, and conditions to truly accommodate your business’s unique needs.

Our experienced lenders take the time to understand you and your business.

Real Estate

Whether you need financing for a commercial building, office or medical building, shopping center, convenience store, apartment complex, residential rental property or investment property, consider First National Bank of Oklahoma.


We provide funds for equipment purchasing, revolving lines of credit for working capital, business expansion, fleet vehicles, letters of credit, and more. Interest rates are competitively determined, and terms are individually set. In addition, we are an approved SBA Express Lender and Active USDA Business and Industry Lender.

Professional and Executive

Professional and Executive business loans often have unique credit needs. First National Bank of Oklahoma’s lending staff is adept at serving these types of customers. We will make your banking convenient and private by coming directly to your office or home if you prefer.

To Apply Now

Financial Statement Forms

Please click the link below to download the application, complete it, then bring it into our offices. To get started today contact us at one of our four bank locations in Oklahoma City, Ponca City, and Tonkawa.

To view the applications, you must have Adobe Acrobat Reader installed on your computer. If you don’t have Acrobat Reader, you may click here to download it.

Electronic Banking

With First National Bank of Oklahoma electronic banking services you can bank from anywhere! Check your account balance, transfer funds and more with Online Banking and Mobile Banking.

FastNet Cash Mgmt:

Commercial Checking with Cash Management is the most powerful way to make technology work for your business. Plus, Cash Management can be customized to meet your company’s needs. With Online and Mobile Banking, you will be able to:

  • Check balances and transfer funds between accounts
  • View your account/transaction history
  • Download history in various formats
  • Retrieve paid check images
  • Retrieve prior bank statements
  • Place stop payments
  • Place check orders
  • Initiate IRS tax payments
  • Generate ACH debits/credits
  • Make wire transfers

Login to your Cash Management account here:


Remote Deposit Capture

With Remote Deposit Capture you can scan and deposit your checks, without a trip to the bank! The basic requirements for this service include a PC, tablet, or mobile device and a high-speed internet connection.

Merchant Accounts

First National Bank of Oklahoma offers great Merchant Credit Card Services. Merchant services provide commercial businesses:

  • Credit card processing
  • Terminals
  • Merchant accounts

*fees may apply, ask your representative

Farm & Ranch

First National Bank of Oklahoma is your trusted partner for Farm & Ranch Loans in Oklahoma. With over 100 years in the industry, we have the experience you need.

From land and farm equipment purchases to crop input and cattle loans or agricultural lines of credit for special purposes, we have all your needs covered whether you are farming in Oklahoma or Kansas.

Farm & Ranch Real Estate Financing

  • Purchase real estate with competitive interest rates and terms
  • Refinance and consolidate existing debts

Equipment Financing

  • We can customize terms for all types of farm equipment Purchases.

Livestock Financing

  • Provide financing for the purchase, care, feeding or refinancing of debt on livestock

Farm & Ranch Operating Loans

  • Loans to cover day-to-day farm or ranch operating expenses

Contact Us

Our knowledgeable Farm & Ranch officers, experienced bank leadership and seasoned ownership will help ensure the process is smooth, fast and customized to your operation. Contact one of our Farm & Ranch Loan Officers now- Kramer Simpson, VP/ Ag Lender, Tonkawa email to or Call at (580) 628-2265, Nick Liegerot, Ag Lender, Ponca City email to or Call at (580) 762-2265.

Apply Now

Please click the link below to download the application, complete it, then bring it into our offices.


We do our best to provide our customers with as many extras as possible to aid you in your financial journey. Having access to as many sidekicks is our goal, and we strive to provide many options for just that to have in your back pocket.

VISA Business Debit Cards

Now you can have all the advantages of an ATM Card plus the convenience of making purchases without cash and without writing a check.

  • First National Bank of Oklahoma Debit Card is accepted worldwide wherever Visa is accepted
  • No monthly fee
  • $500 per day cash withdrawal limit
  • $1000 per day purchase limit
  • Monetary transactions $1.00*
  • Non-monetary transactions $1.00*
  • Replace lost/damaged card $5.00 (Refer to Visa Debit Card application disclosure for approval requirements and limitations; account type determines annual cost of card)

*Additional fees may be assessed by terminal owners.

*To replace a lost/damaged metal debit card, a fee of $40 may be assessed.


No monthly fee
Point-of-sale (POS) transactions – no charge
Card control capability inside our mobile app
Monetary transactions $1.00

Card Controls

  • Think you may have temporarily lost your card? Have access to turn your card on/off when needed
  • Set what types of transactions are allowed on your card at any time to avoid card fraud
  • Set regions on the map that purchases are allowed to be made
  • Set spending limits for your safety