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.