Compare Our Savings Accounts
| Accounts | FNB First Savings | FNB Savings for Minors | Money Market |
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Minimum to Open
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$100.00
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$25.00
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$100.00
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Service Fee
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- $5.00 service fee for each withdrawal in excess of the allowed nine per statement cycle period
- $3.00 service fee is assessed each quarter if the minimum balance falls below $100.00.
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- $5.00 service fee for each withdrawal in excess of nine
- $3.00 service fee is assessed each quarter if the minimum balance falls below $25.00.
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- $10.00 service fee for each withdrawal in excess of the allowed six per statement cycle period.
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Details
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Learn More About FNB First Savings
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Learn More About FNB Savings for Minors
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Learn More About Money Market
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Regular Savings
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Minimum Opening Deposit
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$100.00
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Additional Details
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- Interest is compounded quarterly and is paid quarterly on collected balances. Rates are available upon request.
- Interest for the quarter is forfeited if account is closed prior to end of quarter.
- No interest is paid for the quarter if minimum balance falls below $100.00 during an interest paying period.
- Nine withdrawals are allowed each quarter at no cost.
- A $5.00 service charge is assessed for each
withdrawal in excess of nine during any one quarter.
- A $3.00 service charge is assessed for each quarter if the minimum balance falls below $100.00.
Savings statements are sent quarterly.
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Savings for Minors
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Minimum Opening Deposit
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$25.00
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Additional Details
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- Interest is compounded quarterly and paid quarterly on collected balances. Interest rates available upon request.
- Interest for the quarter is forfeited if account is closed prior to end of quarter.
- No interest is paid for the quarter if minimum balance falls below $25.00 during an interest paying period.
- Nine withdrawals are allowed each quarter at no cost.
- A $5.00 service charge is assessed for each withdrawal in excess of nine during any one quarter.
- A $3.00 service charge is assessed for each quarter if the minimum balance falls below $25.00.
- Savings statements are sent quarterly.
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Money Market
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Minimum Opening Deposit
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$100.00
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Additional Details
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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 assessed.
- Six withdrawals per statement cycle period made by check or draft.
- A $10.00 fee will be charged for each withdrawal in excess of the allowed six per statement cycle period.
- 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 any statement cycle period.
- Check order charges will vary 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 ($0.50 per deposit)
- PopMoney®* (Terms & Conditions Apply)
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CDs and IRAs
First National Bank & Trust Co. offers a variety of certificates of deposit ranging from 3-month to 48-month duration. Interest rates are updated periodically and are fixed for the term of the CD once the specific option is chosen. FNB offers both traditional and ROTH IRAs.
Learn More About CDs Learn More About IRAs
Please call one of our relationship bankers to find out more about this option.
CDs
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Minimum Opening Deposit
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$1,000.00
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Additional Details
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First National Bank’s Certificates of Deposit offer safety, liquidity, and income. Our certificates can be renewed automatically for the same term as a service to you. Penalty for early withdrawal will apply. The interest rates, as determined by management, are subject to change daily and are available upon request.
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IRAs
First National Bank & Trust Co. offers both traditional and ROTH IRAs.
- Penalty for early withdrawal will apply unless you are 59 1/2 years old or older.
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IRA Service Charges Assessed
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Fee Amount
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Account Setup Fee
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No Charge
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Monthly Maintenance Fee
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No Charge
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Close Out Fee
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$25.00
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Transfer Fee
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$25.00
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Safety Deposit Boxes
Rent a safe-deposit box at one of our branches for documents or personal belongings that may need protection from loss by fire, theft, flood, tornado, or other disasters. Safe-deposit boxes are located in the vaults of our Shawnee, Holdenville, Quanah Parker, Mangum and Granite branches. Sizes and prices vary by location and can be rented by contacting one of our account representatives.
Learn More About Safety Deposit Boxes
Safety Deposit Boxes
First National Bank & Trust Co. can help you protect important documents and valuables that would be difficult or impossible to replace, while also offering privacy and security.
If you are interested in renting a Safe Deposit Box, contact one of our account representatives. Safety Deposit Boxes are available at the following branches:
- Shawnee - MacArthur
- Holdenville
- Lawton - Quanah Parker
- Mangum
- Granite
Contact your branch location for box sizes, pricing, keys, and the drilling of boxes.
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Money Concepts
For our customers seeking investment counsel, FNB offers the services of Kerry Cox, with Money Concepts, an international financial planning network.
Learn More About Money Concepts
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