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Deposit Accounts
We have an account that’s right for you.
Delivering a personal approach to banking, we strive to build a relationship with you and pinpoint solutions to fit your individual financial needs. We offer a variety of deposit options designed for convenience and service. Our straight-forward checking options allow you to bank when, where, and how you want. Pay your bills, cover everyday expenses, and maintain your lifestyle with an account designed to give you more.
Personal Checking Accounts
Accomplish More with Your Checking Account
FastNet Checking
- A minimum opening deposit is required.
- Unlimited electronic withdrawals ($.25 cent charge for each paper item over 5 per statement)
- e-Statements required ($5 charge for paper statements)
- METAL Visa Debit Card available
- Free online and mobile banking
First Checking
- A minimum opening deposit is required
- Unlimited check writing
- Free checks
- Monthly service charge applies
- Free online and mobile banking
- METAL Visa Debit Card available
Freedom Checking – Ponca City and Tonkawa
If you are age 55 or older, you deserve privileges. With our Freedom Checking, you will receive just that.
- Unlimited check writing
- Free Checks and Cashier’s Checks
- e-Statements
- Free online and mobile banking
- METAL Visa Debit Card available
Interest Bearing Checking Accounts
Put Your Money to Work For you
The balance computation method we use to calculate all interest-bearing accounts is the Daily Balance Method. This method applies a daily periodic rate to the principal in the account each day. *Note Contact us at one of our three deposit account locations in Oklahoma City, Tonkawa, and Ponca City to get started.
Advantage Checking Account
The account that has it all!
- Fixed Interest Rate on balances of $500 and above; Interest compounded and credited monthly
- $7.50 service charge if aggregate deposits fall below $2,000
- Unlimited check writing: Free cashier’s checks
- Free online and mobile banking
- METAL contactless Visa Debit Card available
*At our discretion, the interest rate on the account may change.
Money Market Checking
This tiered interest-bearing checking account is ideal for individuals who only write a few checks each month.
- Fixed Interest Rate; interest compounded and credited monthly
- $1,500 opening deposit and minimum balance to waive service charge of $5
- No interest paid on balances below $5,000
- Maximum of 6 withdrawals per statement cycle
- $10 fee for each debit over 6 per statement cycle
- Free online and mobile banking
*At our discretion, the interest rate on the account may change.
NOW Account
A checking account that also pays you interest and provides unlimited check writing.
- $250 opening deposit
- You must maintain a balance of $500 to obtain the disclosed APY
- Interest compounded and credited monthly
- $7.50 service charge if balance falls below $1,000
- Unlimited check writing
- METAL contactless Visa Debit Card available
*At our discretion, the interest rate on the account may change.
Savings
Our savings account earns a competitive interest rate provides unlimited deposits and three withdrawals/transfers per quarter at no charge.
- Fixed Interest Rate
- Interest compounded and credited monthly
- $3 quarterly service charge for balances less than $100
- $1 service charge per withdrawal after six per quarter
- Minimum balance of $10.00 to earn interest
- Free online and mobile banking
*At our discretion, the interest rate on the account may change.
CD’s and IRA’s
With guaranteed returns, Certificates of Deposits (CDs) are a risk-free investment that help you save for both short and long term goals. We offer Fixed term lengths, competitive rates and no monthly maintenance fees. Sign up for our interest-bearing CDs and watch your money grow. Contact the bank for rates information.
