Personal Banking Services

You'll earn a competitive return on your money while keeping your money accessible.

This is a great way to teach a child the discipline of savings and get them started on the road to financial success.

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.

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.

We’ve helped many families own their homes. Whether you are building or purchasing, our in-house residential real estate loans offer low closing fees, competitive rates, flexible terms, and local servicing.

If you want a fixed interest rate, we also facilitate secondary market loans.

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.

*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.

First National Bank & Trust offers securities through Oklahoma Capital Advisors, a local branch office of B.B. Graham and Company, Inc., member FINRA, MSRB and SIPC.

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.

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.

*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.