We commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution.The First National Bank and Trust Co.

Personal

Consumer Checking & Savings Accounts

Checking

Let us help you find the account that is right for you!

First National Bank & Trust has a checking account to fit your specific needs. Each account has a unique package of financial services from which to choose. And, with every First National Bank & Trust consumer checking account you will receive -

  • Free Internet Banking
  • Free 24 hour Express Phone Banking
  • Free online bill payment
  • Free ATM/check card
  • Free notary service
  • Free AutoSave transfer service 
  • Free Smart-phone App
  • Free mobile banking

FNBT 360 Checking

FNBT 360 Checking has more rewards and benefits than we've ever offered at First National Bank & Trust Co! Powered by the all-new FNBT rewards website and smart-phone app, you'll enjoy:

Features:

  • Accidental death insurance ($30,000 coverage)
  • Ultimate ID Program (Identity theft solutions)
  • Cellular Care Coverage
  • Travel benefits (full-service travel, cash back rewards)
  • TicketXpress (big discounts on entertainment
  • Cash back rewards (from 3,000+ online merchants)
  • Health savings (pharmacy, hearing, vision, dental)
  • Consumer service (purchase protection, tax prep)
  • Earn insterest on large balances (over $5,000)
  • Mobile banking (download FNBT Mobile)
  • Online banking 
  • Unlimited check writing
  • Free personalized checks (Topaz design)
  • Free money orders
  • Free cashier's checks
  • eStatements (or paper statements upon request)
  • Discounts on bank fees (visa gift cards, NSF)
  • Free notary service
  • Free shredding service
  • $100.00 to open account
  • $10.00 monthly fee

Hi-5 Checking

Hi-5 Checking puts entertainment and travel rewards plus cell phone insurance within reach for everybody. Powered by the all-new FNBT Rewards website and smart-phone app, you'll enjoy:

Features:

  • Accidental death insurance ($10,000 coverage)
  • Cellular Care Coverage
  • Travel benefits (full-service travel, cash back rewards)
  • TicketXpress (big discounts on entertainment
  • Cash back rewards (from 3,000+ online merchants)
  • Health savings (pharmacy, hearing, vision, dental)
  • Consumer service (purchase protection, tax prep)
  • Unlimited check writing
  • eStatements (or paper statements upon request)
  • No minimum balance
  • $100.00 to open account
  • $5.00 monthly fee

OneUp Checking

First National Bank & Trust's free checking account aimed expressly at young people who want experience in managing money.

Features:

  • Adjustable interest*
  • No monthly service charge
  • No minimum balance required
  • $50 opening reward
  • ATM fees waived- Up to 6 transactions per month at ATMs not owned by FNBT.
  • Oops Protection!- One insufficient fee (check or debit card) is waived per quarter.
  • $25 restaurant gift card for new referrals
  • Money management ideas
  • Credit-building options
  • Debit card, any style
  • E-statements required

*On deposits up to $10,000. Currently .50% (.50% annual percentage yield/APY) on balances up to $10,000, subject to change. Balances at $10,000 and above earn our Super Now Account rate, which is .10% (.10% APY). No minimum balance required to earn interest.

First Gold Star Checking

Our FREE checking account exclusively for customers age 60 and older.

Features:

  • $100.00 to open account
  • Free checking account
  • Unlimited check writing
  • Monthly statement with check images
  • One free box of checks annually

Super Now

Earn interest with our variable interest rate account. 

Features:

  • $2,500 minimum average balance required
  • $5 monthly fee if average balance is below $2,500
  • 25 free withdrawals ($.15 per withdrawal after that)
  • Interest is calculated on a daily balance, credited and compounded monthly.

Money Market

You work hard to save and protect your money. So do we! Put your larger balances to work for you with this variable rate checking account.

Features:

  • $2,500 minimum average balance required. 
  • If average balance is less than $2,500, rate changes to Super NOW rate and $5 monthly fee applies.
  • 6 withdrawals per month. 7 days advance notice may be required for withdrawal.

Priority Money Market

You asked for more interest on larger balances, and now, it's here! Just keep your eye on the $30,000 target.

Features:

  • $2,500 required to open account. 
  • If average balance is less than $2,500, rate changes and a $5 monthly fee applies.
  • 6 free withdrawals per statement cycle; after that, each withdrawal is charged a $5 fee. 7 days advance notice may be required for withdrawal.
  • Free eStatements or $3 monthly fee for paper statements

*On balances up to $30,000. Currently .50% (.50% annual percentage yield/APY) on balances under $30,000, subject to change to .25% matching Money Market account terms (.25% annual percentage yield/APY).

Savings

At First National Bank & Trust we understand the importance of saving for the future and for unexpected emergencies. Whether you are just starting out or saving for something specific, we have a savings account to help you reach your goals!

Savings Account

Our regular savings account is the perfect savings account for your day-to-day needs and a great way to set aside a little something for a rainy day!

Features:

  • $5.00 to open account
  • 6 free withdrawals per quarter ($2.00 each thereafter) 
  • Interest bearing*
  • $1.85 fee for paper statement if the average balance is less than $5,000 
  • $3 service charge per quarter for average balance of less than $100 

Star Savers Account **

Give your children hands-on experience with saving and budgeting money! We believe in teaching children money management skills they'll use for a lifetime. This program makes saving fun and rewarding.

Features:

  • $5.00 to open account
  • For children under the age of 13
  • $5.00 deposit to the account by First National Bank & Trust
  • Free Star Savers t-shirt
  • Other gifts for more money deposited
  • Interest bearing*
  • 6 free withdrawals per quarter ($2.00 each thereafter) 

* If you close your interest bearing account, any interest accrued, but not yet paid, is forfeited.

** This is a variable rate account.  Interest is calculated on the daily balance, credited and compounded quarterly.  Six free withdrawals are allowed per quarter.  $1.00 per withdrawal after six.  There will be a two year HOLD on the $5.00 added to the account opening by The First National Bank & Trust Co., Chickasha, OK.