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A checking account can be more than just a place to keep your money. It can be a way for you to simplify your financial life by making managing money easier.
From interest-earning to free checking, First Texoma National Bank offers a variety of checking accounts to meet your banking needs.
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Absolutely Free Checking
- Minimum Opening Deposit
$50.00 (No minimum for full-time college students)
- Overdraft Protection
$300 Overdraft Protection – Available at the bank’s discretion after the account has been open at least 30 days, per the bank’s current Overdraft Protection Policy. *
- Features
Absolutely FREE – No monthly maintenance fee, no minimum balance requirement!
FREE First Order Of Checks (50)
FREE Basic Style Checks For Our Customers Age 55 & Better
FREE Unlimited Check Writing!
FREE Online/Internet Banking!
FREE Monthly Image Statements! (Available only online).
FREE Online Bill Pay!
FREE 24 Hour Telephone Banking!
FREE Automated Transfers!
FREE ATM Transactions at FTNB ATMs!
FREE Notary Service!
*Applicable Overdraft charges will apply. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means
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First Advantage Checking
- Minimum Opening Deposit
$100.00
- Service Charge Schedule
If balance falls below $500.00 at any time during the month, the monthly maintenance fee is $10.00.
- Overdraft Protection
$500 Overdraft Protection – Available at the bank’s discretion after the account has been open at least 30 days, per the bank’s current Overdraft Protection Policy. *
- Features
FREE with a minimum daily balance requirement of $500.00
FREE Customized Image Statements!
FREE Unlimited Check Writing!
FREE Online/Internet Banking!
FREE Online Bill Pay!
FREE 24 Hour Telephone Banking!
FREE Automated Transfers!
FREE Visa® Debit Card!
*Applicable Overdraft charges will apply. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means
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First Reward Checking
- Minimum Opening Deposit
$2,500.00
- Service Charge Schedule
If balance falls below $2,500.00 at any time during the month the monthly maintenance
fee is $25.00.
- Overdraft Protection
$1,000 Overdraft Protection – Available at the bank’s discretion after the account has been open at least 30 days, per the bank’s current Overdraft Protection Policy. *
- Features
FREE with a minimum daily balance requirement of $2,500.00; otherwise, a monthly maintenance fee of $25.00 will be charged.
PREFERRED INTEREST RATE
FREE Unlimited Check Writing!
FREE Online/Internet Banking!
FREE Online Bill Pay!
FREE 24 Hour Telephone Banking!
FREE Automated Transfers!
FREE Visa® Debit Card!
FREE ATM Transactions at FTNB ATMs!
- Requirements
Must use the Visa® Debit Card at least once during each monthly statement cycle.**
Must have Direct Deposit of payroll or government benefit check, OR at least one monthly auto-debit set up for an automatic payment.**
Must sign up for FREE online banking and make at least one online banking inquiry during each monthly statement cycle.**
Must sign up for FREE online bill pay, and pay at least one bill during each monthly statement cycle.**
** A monthly maintenance fee of $25.00 will be charged if all requirements have not been met during the monthly statement cycle.
*Applicable Overdraft charges will apply. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means
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Now Account
- Minimum Opening Deposit
$500.00
- Service Charge Schedule
If balance falls below $1,000.00 at any time during the month the monthly maintenance
fee is $10.00.
- Features
FREE with a minimum daily balance requirement of $1,000.00; otherwise, a monthly maintenance fee of $10.00 will be charged.
FREE First Order Of Checks (50)
INTEREST compounded & credited monthly to the account!
FREE Unlimited Check Writing!
FREE Customized Image Statements!
FREE Online/Internet Banking!
FREE Online Bill Pay!
FREE 24 Hour Telephone Banking!
FREE Automated Transfers!
FREE Visa® Debit Card!
FREE ATM Transactions at FTNB ATMs!
FREE Notary Service!
$500 Overdraft Protection – Available at the bank’s discretion after the account has been open at least 30 days, per the bank’s current Overdraft Protection Policy. *
Contact us at any location for current rate information.
*Applicable Overdraft charges will apply. The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal, or other electronic means
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Super Power Savers - Teens ages 13-18
- Minimum Opening Deposit
$25.00
- Service Charge Schedule
None
- Checking Account Option
When a club member attains a balance of $100, the account can be changed to a checking account. A parent must be on the account. The first order of checks is free.
- Compounding and Crediting
Interest will be compound and credited to your account monthly.
Contact us at any location for current rate information.
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Free Small Business Checking
- Minimum Opening Deposit
$100.00
- Service Charge Schedule
Withdrawals from Free Small Business Checking are limited to fifty per statement cycle without incurring a transaction fee. Deposit items into Free Small Business Checking are limited to one hundred per statement cycle without incurring a transaction fee. An excess transaction fee of $ 0.35 will be charged for each withdrawal in excess of fifty per statement cycle. An excess transaction fee of $ 0.35 will be charged for each deposit item in excess of one hundred per statement cycle
- Features
No Monthly Maintenance Fee
Free Basic Internet Banking
Free Basic Images with Statement
Free Notary Services
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Business Checking
- Minimum Opening Deposit
$500.00
- Service Charge Schedule
If balance falls below $1,000.00 at any time during the month the monthly maintenance fee is $10.00.
- Features
No fees for customers who maintain high balances ($1,000+)
Unlimited check writing privileges
Customized image statements
Free 24 hour information line
Business Online Banking available
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Corporate Checking
- Minimum Opening Deposit
$500.00
- Service Charge Schedule
Monthly maintenance fee $10.00 other fees may apply, please refer to our
accounts disclosure brochure.
- Features
An earnings credit based on our 90-day CD rate, less reserves and FDIC insurance
Customized image statements
Free 24 hour information line
Business Online Banking available
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Passport Club
Ages 50 or better
- Minimum Opening Deposit
Maintain a minimum balance of $1,500 or more in an interest bearing Passport Club Checking Account. ($10 per month fee if balance falls below $1,500)
or
Maintain a balance of $15,000 or more in any certificate of deposit.
- Service Charge Schedule
If balance falls below $1,500 at any time during the month the membership fee is $10.00.
- Features
*Interest credited monthly
*Free Passport Club Checks
*Club Newsletter
*Extensive travel opportunities (regional, national and international ports of call)
*Luncheons and other social events
*Unlimited check writing privileges
*Accessible through ATM
*Customized image statements
*Free 24 hour information line
*Free Safe Deposit Box (Small box value)
Platinum Passport Club
Ages 50 or better
- Minimum Opening Deposit
$5000.00 per account owner
- Service Charge Schedule
If balance falls below $5000.00 at any time during the month the membership fee is $20.00.
- Features
*Interest credited monthly
*Free Passport Club Checks
*Club Newsletter
*Extensive travel opportunities (regional, national and international ports of call)
*Luncheons and other social events
*Unlimited check writing privileges
*Accessible through ATM
*Customized image statements
*Free 24 hour information line
*Free Traveler's Checks
*Free Cashier's Checks
*Free Notary Service
*Free ATM/Debit cards
*Free Wire Transfers
*Free Stop Payment orders
*Free Safe Deposit Box (Small box Value)
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