First National Bank & Trust  |  The First State Bank

Two historic banking institutions are joining forces to create one of the largest community banks in Central Oklahoma. With over $700 million in combined assets, we provide strength, stability, and the best banking services. Our depth of products across consumer and commercial banking, along with our combined capability, makes us stronger and best for you.

Frequently Asked Questions

When will the conversion to FNB take place? July 19, 2021
Do I have to order new checks and deposit slips? No, you may continue to use your existing checks and deposit slips. On your next check order, you will receive FNB checks in the same numerical order and design. 
Do I need to order a new debit or ATM card? No, we will automatically send you a new debit or ATM card starting July 5, 2021. You can activate your new card upon receipt by calling 800-567-3451. This card will be available for use on July 18, 2021.
Do I need to set a new PIN for my debit card? When you call to activate your new FNB debit card you will be prompted to set the PIN at that time. 
Do I need to sign a new signature card? No. We will use your existing signature card.
Do I need to update my Online Banking login credentials? No, your user name and password will remain the same. You will set up new security questions the first time you log in to FNB online banking and accept the FNB terms and conditions.
Will I be able to see my previous transactions in online banking? Yes, you will see the last 24-months of transactions up to 4/14/2021, at first login to FNB online banking on 7/19/2021. Transactions and statements for the time period of 4/14/2021 through 7/19/2021 will become available in November 2021.
Do I need to download a new mobile banking app? Yes, you will download the FNB mobile banking app. TFSB's mobile app will be deactivated on 7/16/2021 at 3 pm. You will need to re-enroll in FNB mobile Banking and accept the terms and conditions.
Do I need to change my direct deposit or automatic payments? We encourage you to change your direct deposit and automatic payments as soon as possible. Any direct deposit or automatic payments after July 19, 2021, need to be updated with your existing account number and the FNB Routing Number: 103103451. (INSERT SWITCH KIT)
Will the bank's hours change? No, each branch will continue to operate with its current hours, so you can bank at your convenience.
Does this affect my FDIC deposit insurance? There is no impact or change to the deposit insurance on your account. Your accounts remain insured and the same limits apply. If you currently have accounts with FNB, contact us and we will assist you with verifying insurance coverage.
Do I need to make changes to my Online Bill Payments? Yes, the last day to pay a bill using online bill pay is 7/12/2021. You will need to re-establish your vendors within the FNB Online Bill Pay. Current data will not carry over. We strongly recommend that you print your current vendor list.
What is FNB's routing number? The routing number for First National Bank is 103103451.
What happens to my statements and interest? You will receive a statement as of 7/19/2021 and will receive interest as of 7/16/2021. Statements will be end-of-month after conversion.
Will my account number change? No, your account number(s) will remain the same with FNB.
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