Personal Banking Services
Your checking, savings, and loan solutions, all in one place. Whether you need to manage your daily expenses or plan for long-term goals, our personal banking services offer flexible options for every stage of life.
Personal Banking Services
We offer a wide range of personal banking services to meet your needs. Take a look and see what's right for you.
Personal Checking
Non-Interest
Bearing
-
Choose from our Free First or Free Plus accounts:
- • No minimum balance
- • No transaction fees
- • No monthly service fees
- • Free E-Statements
- • Free First Net
- • Free Mobile Banking
- • Free 24-First
- • Free I-PAY FIRST
- • Free debit card*
- • $800 Overdraft Privilege*
Interest-Bearing
Checking
-
Choose from our Interest Checking, Money Market, or First Reserve accounts:
- • Competitive interest***
- • Free e-statements
- • Free First Net
- • Free Mobile Banking
- • Free 24-First
- • Free I-PAY FIRST
- • Free debit card*
Terms
*Separate qualifications required. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Complete details available upon request at any of our locations during regular banking hours. 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.
Money
Market
-
You'll earn a competitive return on your money while keeping your money accessible.
My First
Savings
-
This is a great way to teach a child the discipline of savings and get them started on the road to financial success.
Health
Savings
-
To keep your balance when faced with mounting medical expenses, a Health Savings Checking account may be a viable tool for you. HSAs can help protect against major healthcare costs, and if you don’t need the HSA funds for medical expenses, the funds can be tax-deferred retirement savings.
-
Consumer
Needing to borrow for an important personal purchase? At First National Bank & Trust, we offer Vehicle loans and Installment loans to make purchases, pay expenses, or consolidate debt with a competitive fixed rate, allowing easy budgeting of payments.
Real Estate
Whether you're building or purchasing, our in-house residential real estate loans offer low closing fees, competitive rates, flexible terms, and local servicing.
We also facilitate secondary market loans with fixed interest rates.
CD/Deposit Account*
These are simple, low-cost ways to obtain credit without depleting cash reserves. Our Certificate of Deposit/Deposit Account loans have flexible repayment options and terms. Proceeds can be used for agricultural, commercial, individual, family, or household purposes.
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.
Read Our Terms
Terms
IMPORTANT INFORMATION ABOUT INVESTMENT CENTER PRODUCTS:
Investments sold through our Investment Center:
-
are not insured by FDIC
-
are not deposits or other obligations of First National Bank & Trust (Bank)
-
are not guaranteed by the Bank
-
are subject to investment risks, including possible loss of the principal invested
-
are not insured by the Securities Investors Corporation (SIPC) as to the loss of the principal amounts invested.
Retirement
Ready to Plan?
When you begin to save for retirement makes a huge difference in how much you have on the day you retire. At First National Bank & Trust, we offer a full array of certificate of deposit retirement accounts ranging from Traditional Individual Retirement Accounts, Roth Individual Retirement Accounts, and SEP Plans.
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.
Get in touch with us
Let us show you that there is a difference.
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
