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.

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.

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!

**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.

A safe deposit box from First National Bank & Trust may be the answer.

We offer various sizes at great rates.

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

*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.

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.

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.