Personal Checking

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.

Compare Our Checking Options

AccountsFirst Choice AccountseFirst CheckingSunshine 55Super Now CheckingMoney Market Checking

Minimum to Open

$100.00

$100.00

$100.00

$100.00

$100.00

Fee

  • 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.
  • 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.
  • N/A
  • 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.
  • 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.

 Details

  • The First Choice Accounts offer benefits, discounts, unlimited check writing, insurance, prescription drug discounts, and identity theft protection. OBU Choice is for students, faculty, alumni, and fans of the University. First Choice Plus is an account for those who are 55 and better. 

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  • 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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  • The Sunshine 55 Account is for those 55 or better. 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. 

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  • 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.  

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  • 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.  

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Overdraft Privilege Program

First National Bank offers a courtesy service to consider, without obligation on the part of FNB, payment of reasonable overdrafts to preferred FNB customers who have a checking account in good standing.

FNB discloses our check-payment procedures to assist you in avoiding the consequences of unintentionally writing a check against insufficient funds. It is our policy that checks drawn against your account are paid daily in order of type of item, lowest dollar amount to highest.

We feel that this procedure represents the fairest method to handle payments drawn against your account while controlling the level of fees assessed. The processing order for item types is:

  • Over-the-counter checks or withdrawals as presented
  • Electronic transactions, such as Point of Sale or ATM Transactions
  • Automated Clearing House and check transactions (The Bank reserves the right to pay a debit card transaction in any order, including Point of Sale or ATM transactions.)

Have Questions? 

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