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Account Services

From mobile banking to trust services, we offer more ways to support you. Whether you need to manage deposits, secure assets, or plan for the future, our additional services provide convenience.

 

We Have a Full-Service Trust Department:

Because of their flexibility, trusts can achieve various goals, including:
Avoiding probate
Saving on estate taxes
Increasing estate liquidity
Controlling the use and disposition of property
 
First National boasts the unique combination of offering its trust clients the services of skilled professionals usually available only at large metropolitan-area trust departments, with the "personal touch" that First National customers have come to expect.


Why?
The AG sector is the backbone of Western Oklahoma, and First National Bank and Trust of Elk City and Sayre is here to help make a difference.

Simple, convenient solutions to safeguard large cash balances:
Depositors can enjoy the safety of FDIC insurance while working with a trusted local source and receiving prevailing interest rates.
We offer both CDARS and ICS accounts.
Best of all, it’s free!


Terms
**All accounts are subject to change without notice.

**Interest accrues at First National Bank & Trust's prevailing market rates. Interest rates may change at any time. Rates are available upon request at any of our locations during regular banking hours.

We offer a wide range of banking services to meet your needs. Take a look and see what's right for your business.

Do you have cherished items, important documents, or investments that can't be replaced by your homeowner's insurance?
A safe deposit box from First National Bank & Trust may be the answer.
We offer various sizes at great rates.

We Make Checking Convenient
Our Transfund cards can be used at the thousands of Transfund locations - 24/7, 365.

Terms

*Interest accrues at First National Bank & Trust's prevailing market rates. Interest rates may change at any time. Rates are available upon request at any of our locations during regular banking hours. Separate qualifications required.

Go Paperless!
E-Statements


Forget about:
bulky statements
proper disposal of paper statements
boxes of stored bank statements and
waiting for mail delivery.
Receive your e-statement the day it is produced electronically. Sign-up is easy and free.

Online Bill Pay
I-Pay First is our free online bill pay service accessed through First Net, our online banking system.


Save the cost of stamps, checks, and envelopes. I-Pay First: it's just another way we've made banking more convenient.

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If you suspect fraud!

If you suspect fraudulent activity or have doubts about the authenticity of a site or communication you have received via any medium, please call your financial institution at (580) 225-2580.

Financial Resources

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Extensive tips and resources for everything from selecting a new home to protecting your identity.

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Enforces federal laws to protect consumers from abusive financial practices.

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Guide to receiving federal benefits electronically.

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Information about tax laws and payment.

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Information and online management of Social Security accounts.

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Kids & Teens Financial Learning

  • H.I.P. Pocket Change
    • From the U.S. Mint, games and cartoons about how money is made, and information about beginning coin collecting

  • Kids.gov
    • Games, videos and facts about money

Get in touch

Let us show you that there is a difference.
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Home

ELK CITY
714 W. 3rd St.
102 S. Main St.
580.225.2580

About

SAYRE
711 N.E. Highway 66
580.928.2580

Services

 

Contact

 

©2025 First National Bank & Trust of Elk City. All rights reserved.
331-3316046_fdic-member-member-fdic-logo-white - Edited

 

FNBEC-Horizontal Logo 2-Lines-Cream-Medium

Home

ELK CITY
714 W. 3rd St.
102 S. Main St.
580.225.2580

About

SAYRE
711 N.E. Highway 66
580.928.2580

Services

 

 

©2025 First National Bank & Trust of Elk City. All rights reserved.
331-3316046_fdic-member-member-fdic-logo-white - Edited