Business Checking Accounts

Whether you own a business or you are a business professional, your income and financial security are closely tied to the success of your company or practice.  And, as your business changes, so do your needs for banking.  That is why First National Bank & Trust Co. has Business Banking Professionals who can work with you to determine precisely what products and services are right for you.



At First National Bank and Trust Co., our business checking and savings accounts are designed to accommodate the needs of business owners.

Horizon Small Business Checking


  • $100 minimum opening balance.
  • Monthly service fee of $6,
  • Customer receives a $2 reduction for participating in each of the following, making a zero fee account possible:
    • eStatements (required for account)
    • Enrollment in Online Banking
    • 10 debit card transactions per statement cycle at no additional fee.
  • 50 debits and 50 deposits included.
  • $0.25 for all debits and credits over the 50/50.
Business Checking Regular


  • $100 minimum opening balance.
  • Monthly service fee of $10.00,
  • $0.15 per debit or credit, and $0.07 per item deposited, which may be offset by an earnings credit based on the 90 day T-Bill rate adjusted by 10% reserve requirements.
First Business Checking


  • Minimum opening balance is $100.
  • Ideal for businesses with fewer transactions.
  • First 250 items are free; over 250 items, $0.35 each
  • Monthly imaged statements
  • No monthly fee if the average collected balance is $5,000 or greater; fee of $25.00 if monthly average collected balance is not maintained. Other non-deposit fees apply. 
Business Checking NOW Non-Corporation


  • $100 minimum opening balance.

Accounts differ from Business Checking Regular accounts in that interest accrues daily and is paid monthly at statement cycle time on collected balances at a variable (NOW) rate that fluctuates with the current market rate. The interest rates, as determined by management, are subject to change and are posted in the bank's lobby. All accrued interest is forfeited if the account is closed prior to the end of the statement cycle. Federal regulations do not permit partnerships and corporations established for profit to own this account.

Contact One of Our Personal Bankers


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Banking Officer/Shawnee Retail Branch Manager


Emma From

Shawnee - Home Office

New Accounts Representative
Emma From; 405-275-8830


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New Accounts Representative


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Lawton – Quanah Parker & Sheridan

New Accounts Representative
Kendra Alverson; 580-536-8800

NMLS 1633199


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New Accounts Representative


Cindy Colwell


Branch Leader
Cynthia Colwell; 580-535-4848

NMLS 1633128


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