Business Banking Services

We offer business checking, savings, and loan options tailored to your needs. We understand the unique challenges your business faces, and our services are designed to grow with you from start-up to success.

Business Accounts

Agricultural Loans

COD / DAL Loans

Commercial Loans

Business Accounts

Business Checking

We offer a wide range of business services designed to support your day-to-day operations and long-term growth:

Business First (checking)
Business Advantage (checking)
IOLTA accounts (for law practices)
Cash Management Services to help streamline payroll files, customer billings, and other essential processes.

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

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Business Savings

Earn a competitive return on your money while keeping your resources accessible:

Money Market Savings
First Reserve
*Interest accrues at our prevailing market rates, which may change at any time
*Rates available upon request during business hours.

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

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Agricultural Loans

Our AG loan professionals are experts in understanding the farm and ranch industry because they're in the business, too.

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

When financing your AG operation, you need someone who knows agriculture. Our loan officers are highly experienced in AG lending, and we're proud to work with farmers and ranchers all over.

For asset acquisition and operational needs, we have AG financing for:

Agricultural Real Estate Livestock
Farm Equipment
Farm Operating
Crop loans
More

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"Once you get that in your blood, you're not going to get it out"

Jason Redd
Chief Lending Officer & Senior Vice President
Elk City native & cattle rancher

Certificate of Deposit & Deposit Account Loans

Interested in stocks, bonds, mutual funds? We offer Certificate of Deposit and Deposit Account Loans designed to provide flexible repayment options and terms. Loan proceeds may be used for agricultural, commercial, individual, family, or household purposes. These loans offer a simple, low-cost way to access credit while preserving your cash reserves.

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Read Our Terms

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.

Commercial Loans

We support small businesses with commercial loan solutions designed to help them grow and succeed. Small businesses play a vital role in the communities we serve, and we offer financing options for commercial real estate, operating needs, vehicles and equipment, and construction projects to meet a wide range of business goals.