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)
  • METAL Visa Debit Card available
  • Free online and mobile banking

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.


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.