Personal Checking Accounts

First National Bank and Trust Co. offers a variety of innovative checking plans to meet your financial needs. We understand that our customers have different needs at every age and stage of life. That is why we have designed a package of checking accounts that offers you everything from the bare essentials to rewards and benefits to interest bearing options.

First Choice


Whether you are interested in identity theft, savings and rewards, or select bank services at no charge, our First Choice account offers premium services at a low cost to customers of only $6 per month.

First Choice Benefits

  • Minimum $100 opening deposit
  • No minimum monthly balance required
  • First Choice members enjoy all of the following services for only $6 per month:
  • Unlimited check writing
  • Free personalized First Choice checks
  • No fees on money orders
  • Identity IQ Protect Pro Identity Theft Protection
  • 20% annual discount on safe deposit boxes
  • $20,000 Accidental Death and Dismemberment Insurance
  • Living Family Journal
  • Identity Theft 911 membership
  • Prescription drug discounts
  • $100,000 Scheduled Airline Insurance.

The First Choice Rewards Center

In addition to a host of other benefits, First Choice account holders can enjoy the First Choice Rewards Center that allows customers to:

  • Shop via First Choice links more than 1,200 brand name participating merchants
  • Earn reward points that will convert into cash back
  • Access special coupons and free shipping offers
  • Track online rewards and redemption

Free Services from FNB with First Choice

First Choice accountholders also receive the following FNB services at no additional charge including:

  • Notary service
  • Fax service
  • Photocopies
  • Bank by mail
  • Automatic funds transfer
  • Bank by phone
  • Online banking
  • Online bill pay

First Choice Balance Bonus Feature

First Choice account holders will receive all of the exciting First Choice benefits at no monthly charge if you maintain a $2,500 minimum balance each month.

First Choice Plus


  • Designed for customers age 55 or better
  • Minimum opening deposit of $100
  • All of the tremendous benefits listed under First Choice
  • Low monthly fee of only $3
eFIRST Account

Suited for people who enjoy taking full advantage of technology, our eFIRST Account offers ONline options for people ON the go. Not only does the eFIRST Account give you flexible banking options, it provides you with the ability to control your banking fees and offers rewards for utilizing a variety of FNB products and services in order to achieve a potential zero fee status. 

  • Minimum opening deposit of $100
  • Monthly fee of $10
  • Customer receives a $2 free reduction for participating in EACH of the following making a zero fee 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 charges based on type and quantity of checks orderd
  • ATM/Debit card available
  • Online Banking
  • Mobile Banking Available
  • Mobile Picture Deposit at no charge
  • Accounts are subject to applicable ATM and debit card fees regardless of account balances maintained

Account holders are required to purchase checks. Check order charges will vary based on type and quantity of checks ordered. A fee of $25 per insufficient item will be charged on accounts.

Sunshine 55 Club

The Sunshine 55 Club account is a standard account for customers age 55 or better.

  • $100 minimum opening balance
  • No minimum monthly balance required
  • No monthly service charge
  • Includes free money orders and notary services
  • 20% discount on safe deposit box rentals
  • Unlimited check writing
  • Direct deposit for social security and retirement checks

Special single checks provided free of charge

For those customers who routinely keep a healthy monthly balance in their checking account, First National Bank & Trust Co. offers two interest bearing accounts

Super NOW Checking
  • $100 minimum opening balance
  • Unlimited check writing
  • No monthly service charge if the daily balance is $1,000 and above every day of the statement cycle
  • Interest accrual daily and paid monthly at statement cycle time on daily collected balances at a variable (NOW) rate that fluctuates with the current market rate
  • Interest rate, as determined by management, is subject to change and is posted in the bank's lobby

All accrued interest is forfeited if the account is closed prior to the end of the statement cycle period.

A $10 monthly service fee is charged if the account falls below $1,000.

Money Market Checking
  • $100 minimum opening balance
  • No monthly service charge if the collected balance is $1,000 and above every day of the statement cycle
  • Interest accrual daily and is paid monthly at the Money Market Rate posted in the lobby
  • Withdrawals are limited to six per statement cycle.

All accrued interest is forfeited if the account is closed prior to the end of the statement cycle period. A $10 charge will be assessed for each withdrawal in excess of six per statement cycle.

A $10 service charge if the balance falls below $1,000.

Non-profit Organization Checking 
  • $100 minimum opening balance
  • Monthly service charge of $3
  • No minimum balance requirements or debit transaction fees.
Contact One of Our Personal Bankers


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Vice President/Shawnee Retail Branch Manager
Cindy Sims 405-275-8830


Emma From

Shawnee - Home Office

New Accounts Representative
Emma From; 405-275-8830


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New Accounts Representative
Terrance Halsey; 405-379-3902


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Lawton – Quanah Parker & Sheridan

New Accounts Representative
Misty Crisel; 580-536-8800


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New Accounts Representative


Cindy Colwell


Branch Leader
Cynthia Colwell; 580-535-4848

NMLS 1633128




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