Personal Banking

Solutions that are perfectly suited to fit your needs

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. Our straight forward checking options combined with our electronic banking allows you to bank when, where and how you want. Building a personal relationship with our customers is at the forefront of what we do. We can’t wait to serve you.

Deposit Accounts

We have an account that’s right for you.

Delivering a personal approach to banking, we strive to build a relationship with you and pinpoint solutions to fit your individual financial needs. We offer a variety of deposit options designed for convenience and service. Our straight-forward checking options allow you to bank when, where, and how you want. Pay your bills, cover everyday expenses, and maintain your lifestyle with an account designed to give you more.

Personal Checking Accounts

Accomplish More with Your Checking Account

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 ($5 charge for paper statements)
Free online and mobile banking
METAL Visa Debit Card available

First Checking

A minimum opening deposit is required
Unlimited check writing
Free checks
Monthly service charge applies
Free online and mobile banking
METAL Visa Debit Card available

Freedom Checking – Ponca City and Tonkawa

If you are age 55 or older, you deserve privileges. With our Freedom Checking, you will receive just that.

Unlimited check writing
Free Checks and Cashier’s Checks
e-Statements
Free online and mobile banking
METAL Visa Debit Card available

Interest Bearing Checking Accounts

Put Your Money to Work For you

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. *Note Contact us at one of our three deposit account locations in Oklahoma City, Tonkawa, and Ponca City to get started.

Advantage Checking Account

The account that has it all!

Fixed Interest Rate on balances of $500 and above; Interest compounded and credited monthly
$7.50 service charge if aggregate deposits fall below $2,000
Unlimited check writing: Free cashier’s checks
Free online and mobile banking
METAL contactless Visa Debit Card available

*At our discretion, the interest rate on the account may change.

Money Market Checking

This tiered interest-bearing checking account is ideal for individuals who only write a few checks each month.

Variable Interest Rate; interest compounded and credited monthly
$1,500 opening deposit and minimum balance to waive service charge of $5
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
Free online and mobile banking

*At our discretion, the interest rate on the account may change.

NOW Account

A checking account that also pays you interest and provides unlimited check writing.

$250 opening deposit (OKC opening deposit $800)
You must maintain a balance of $500 to obtain the disclosed APY
Interest compounded and credited monthly
$7.50 service charge if balance falls below $1,000
Unlimited check writing
METAL contactless Visa Debit Card available

*At our discretion, the interest rate on the account may change.

Savings

Our savings account earns a competitive interest rate provides unlimited deposits and three withdrawals/transfers per quarter at no charge.

Variable Interest Rate
Interest compounded and credited monthly
$3 quarterly service charge for balances less than $100
$1 service charge per withdrawal after six per quarter
Minimum balance of $10.00 to earn interest
Free online and mobile banking

*At our discretion, the interest rate on the account may change.

CD’s and IRA’s

With guaranteed returns, Certificates of Deposits (CDs) are a risk-free investment that help you save for both short and long term goals. We offer Fixed term lengths, competitive rates and no monthly maintenance fees. Sign up for our interest-bearing CDs and watch your money grow. Contact the bank for rates information.

CD*APY= Annual Percentage Yield and is accurate as of 10/7/2024. Terms and conditions are subject to change without notification. Early withdrawal penalties may apply and could reduce earnings. We reserve the right to modify, change or terminate this promotion without notice at any time. Minimum opening deposit of $25,000 and maximum of $1,000,000. – Member FDIC. Equal Housing Lender. –