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First National Bank & Trust Co. offers a diverse collection of personal checking accounts designed to fit your needs. Whether you enjoy having extra benefits and protection or desire an account geared toward on-the-go banking, we have a variety of options providing easy and convenient access to your money.
Shared Features
All checking accounts feature a Debit Card, online and mobile banking with mobile picture deposit through our FNBOkla mobile app, and have a $100 minimum to open.
Compare Our Checking Options
| Accounts | First Choice | eFirst | Sunshine 55 | Super Now | Money Market |
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Service Fee
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First Choice:
• If the balance on the account falls below $2,500.00 at any time during the statement cycle, a service charge of $6.00 will be assessed.
First Choice Plus:
• If the balance on the account falls below $1,000.00 at any time during the statement cycle, a $3.00 service charge will be assessed.
OBU Choice:
• If the balance on the account falls below $100.00 at any time during the statement cycle, a service charge of $3.00 will be assessed.
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There is a monthly service charge of $10.00. However, the customer receives a $2.00 reduction for participating in eStatements, direct deposits, debit card transactions, online banking, and online bill pay as specified in the account overview with the possibility of making this account a zero-service-charge account.
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N/A
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If the balance on the account falls below $1,000.00 at any time during the statement cycle, a $10.00 service charge will be assessed.
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If the balance on the account falls below $1,000.00 at any time during the statement cycle, a $10.00 service charge will be assessed.
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Details
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First Choice
The First Choice Accounts offer benefits, discounts, unlimited check writing, insurance, prescription drug discounts, and identity theft protection.
Benefits
FIRST Choice members enjoy all of the following services:
- No minimum balance after opening deposit
- FIRST order of basic checks (Duplicate or Wallet - No Charge) Subsequent check orders are the customer’s financial responsibility.
- VISA® Debit Card available
- 20% discount on safe deposit boxes
- Unlimited check writing
- Online Banking & Bill Pay (No Charge)
- Mobile Picture Deposit (No Charge)
- Mobile Banking (No Charge)
- Two money orders or cashier’s checks per day (No Charge)
- Automatic funds transfers (No Charge)
- $20,000 Accidental Death & Dismemberment Insurance & $100,000 Scheduled Airline Coverage
- Identity IQ Protect Pro
- Security Benefits
- Prescription drug discounts
- Shopping, dining, travel, vacation & hotel/motel discounts
- Accounts are subject to applicable ATM and debit card fees regardless of account balances maintained
OBU Choice
OBU Choice is for students, faculty, alumni, and fans of the University.
Benefits
The OBU Choice Account offers the same great benefits as the First Choice Account with the following exceptions:
- eStatements are required on this account. (Paper statements are available at an additional charge or may be downloaded and printed.)
- Security benefits include $5,000 Accidental Death & Dismemberment Insurance, and $25,000 Scheduled Airline Coverage
FIRST Choice Plus
If you are 55 or better, you will receive all of the tremendous benefits of the First Choice account with a reduced monthly service charge.
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eChecking
The eFirst Account is particularly appealing to individuals who enjoy life on the go and want to take their banking with them through the use of technology. Designed to be a no-fee account, our customers can manage this account, utilize the services offered and take advantage of the discounts available.
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Monthly Service Charge
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$10.00
The customer receives a $2 reduction for participating in EACH of the following making a zero service charge account possible:
- eStatements (required)
- One direct deposit per statement cycle
- 10 debit card transactions per statement
- Log on to online banking once per statement cycle
- Payment of three bills through the FNB Online Bill Pay per statement cycle
- Checks available with pricing based on type and quantity of checks ordered
- VISA® Debit Card available
- Online Banking & Bill Pay (No Charge)
- Mobile Banking (No Charge)
- Mobile Picture Deposit (No Charge)
- Accounts are subject to applicable ATM and debit card fees regardless of account balances maintained.
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Sunshine 55 Checking
The Sunshine 55 Account is for those 55 or older. This account offers senior adults some of our services at no charge, discounts on safe deposit boxes, direct deposit for Social Security and retirement checks, basic checks at no charge, together with online banking and bill pay, and mobile banking.
Benefits
- Unlimited check writing
- Money orders (No Charge)
- Notary service (No Charge)
- Basic checks (Single only - No Charge)
- Direct deposit for Social Security and retirement checks
- 20% discount on any safe deposit box rental
- Telephone transfers from one account to another
- VISA® Debit Card available
- Online Banking & Bill Pay (No Charge)
- Mobile Banking (No Charge)
- Mobile Picture Deposit ($.50 per deposit)
- Accounts are subject to applicable ATM and debit card fees regardless of account balances maintained.
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Super Now Checking
This interest-bearing account offers all of the amenities of our other accounts plus the ability for customers to earn interest daily on their deposits. Unlimited checks can be written each month at no additional charge.
Benefits
- Interest accrues daily at a variable interest rate that fluctuates with current market rates and is paid monthly at statement cycle time on collected balances. The interest rates, as determined by management, are subject to change daily, and are available upon request.
- All accrued interest is forfeited if an account is closed prior to the end of the statement cycle period.
- Check order charges will vary based on the type and quantity of checks ordered.
- An unlimited number of checks can be written each month at no additional cost.
- VISA® Debit Card available
- Online Banking & Bill Pay (No Charge)
- Mobile Banking (No Charge)
- Mobile Picture Deposit ($0.50 per deposit)
- Accounts are subject to applicable ATM and debit card fees regardless of account balances maintained.
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Money Market Checking
For customers who write minimal checks and make limited withdrawals but still want an account that offers interest-bearing capability, the Money Market Checking fits the bill and comes with many of the amenities found with our non-interest-bearing accounts.
Benefits
- VISA® Debit Card available
- Online Banking & Bill Pay (No Charge)
- Mobile Banking (No Charge)
- Mobile Picture Deposit ($0.50 per deposit)
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