First Texoma National Bank

ATM Locations
Online Banking
Bill Pay
Mobile Banking
24 Hour Info Line
Visa Check Card
Visa Credit Card
Savings Bonds
Safe Deposit Box
Night Deposit Service
Order Checks
Report Lost/Stolen Visa Check Card

Online Banking

This is a FREE service designed to fit your busy life and will help you save time and money!

With Online Banking you can:

  • Check your balances and recent transactions
  • Transfer money between your First Texoma National Bank accounts
  • View or print past statements
  • Make loan payments
  • Reorder Checks
  • Request Stop Pay

Online Banking allows you to manage your money whenever and wherever you want -24 hours a day, 7 days a week.  With First Texoma National Bank's online banking, you can conduct a variety of banking activities FREE!

  • Access checking, savings and loan account information
  • Receive e-statements
  • Reconcile accounts anytime, without waiting for a statement in the mail
  • Transfer funds between accounts immediately or schedule a transfer for a future date 
  • Apply for or access your Bill Pay account which allows you to pay your bills quickly and easily from one secure site

Click here to sign up for online banking!


Anytime. Anywhere you have a computer.

E-Statements are a no-cost, optional feature within Online Banking that lets you access your account statements with a few clicks of your mouse.

With E-Statements, you have access to your account statements on any computer with internet access. Gone are the frustrating days of keeping track of old paper statements. Now, you'll have statement history at your fingertips.  E-Statements are available faster than the paper statements arriving via mail.

Smart and Easy - Why Not Switch Today?

  • Log into Online Banking and click the "User Services” button at the top of the page.
  • Select “E-Statement Only” under “Manage Account”.
  • Select account(s) you wish to receive E-Statements for.
  • Review the disclosure, and click “Accept.”  
  • Review the Electronic Statement Delivery Request paying special attention to the email address we have for you on file. Ensure your email address is current. Make any necessary changes to this email and click “Accept.”
  • After sign-up, you'll receive an email notification every month when your statement is ready for review. Please note that it is important to keep your email address updated to ensure your continued receipt of E-Statements.

Bill Pay

The number one reason for paying bills online is convenience.  Online Bill Pay has proven to be a time saver, eliminating the hassle of buying stamps, writing a paper check and running to the post office.  The second most popular reason stated for using Online Bill Pay is security.  Your online payment is processed through a secure Internet connection passing through fewer hands than a paper check, therefore providing fewer people with your account information and your identity.

This program is free to all account holders.  Online Banking is required to use Bill Pay. Sign up for Online Banking.

  • Reminders/Email options
  • Organized history of paid bills
  • Payee categorization (medical, utilities, auto...)
  • Pay bills to individuals or companies
  • Payment calendar

Mobile Banking

Banking on the Go

Want to know your balance when you are not at home, at work or near a computer? We have the answer: Mobile Banking. Our mobile banking solution is available to all Internet Banking users.

With just a few quick taps on your phone's keypad you can:

  • View account balances
  • Check transaction history
  • See which checks have cleared
  • Process transfers

What's great about our mobile solution is that you can use it your way. Whether you prefer texting or web browsing we've got a solution for you. Mobile Banking is FREE for our valued customers.

How to get started:

  • Simply log in to Internet Banking and click the 'Mobile Enrollment' link on the User Services tab to register for Mobile Banking. You will need your Internet Banking credentials to enroll.
  • Select the method you wish to use, whether it's SMS (Text) Banking or Mobile Banking or both.
  • Follow the instructions you receive as text messages on your phone, and you can begin using Mobile Banking right away.

    **The iPhone App is now available through the App Store. (Search FTNB to locate.  You will be instructed to enter your authentication code.  You may text "r" to Mobile Banking to receive the code or log in to Online Banking and go to Mobile Enrollment and Get Activation Code.)  Other Apps are in development and will be released as soon as testing is completed.**

So don't delay, simply log on to Internet Banking today!                      Mobile Banking brochure     

Note: Cellular phone carrier charges may apply for internet access and text messaging. Contact your provider for information regarding those charges.


24 Hour Information Line

1 (877) 202-0975 (Toll free)
Access your account information 24 hours a day, 365 days a year.  All you need is a touch tone phone, and you can:

  • Check your account balances
  • Review transactions that have posted
  • Receive a fax of your account transactions
  • Interest Information
  • Transfer funds or make a loan payment
  • See when your next loan payment is due
  • Merchant Verification - verify funds on a customer's account


Tired of writing checks? Want to make purchases with a swipe of a card or access ATMs for cash? Then one of these convenient products may be just what you're looking for!

Visa Check Card

Grab your First Texoma National Bank Check Card and take it everywhere with you. It's faster and easier than writing a check and conveniently fits into your wallet or pocket. Use it for all your purchases from buying gas and groceries to buying a new outfit online.

  • Accepted everywhere VISA® is accepted
  • Can be used in person, online or by phone
  • Debits straight from your checking account
  • Can be used at ATMs like a traditional ATM card

To report a lost or stolen check card during business hours call customer service at (580) 924-4242 or 1-800-446-1362. On nights, weekends, and holidays call 1-800-791-2525.

Locate a Surcharge-Free ATM for your FTNB Check Card


Planning to Travel?    We want your next trip to be as hassle free as possible. 

Blocked Transactions

**Due to a high volume of debit card fraud in the Austin and Houston, Texas areas, all point of sale transactions in these areas being blocked at this time.  This measure is being taken for the protection of your account.

Please be advised that all signature based debit card transactions originating in California are currently being blocked for your protection with the date being extended until further notice due to continued fraud in that area.  This means you can go to the store and complete a sale using your pin number but you cannot run a sale through your debit card as a “credit” transaction. It is also likely any internet transactions using your debit card originating in California will also be declined. This action was required due to excessive fraudulent activity originating in this state.  Additionally First Texoma National Bank has permanently blocked signature based transactions in the following: Brazil, Russia, Spain, UK,  Luxemburg, Saudi Arabia & Dubai.  This action was required due to excessive fraudulent activity originating in these countries and is for your protection.

Please continue to check your accounts and report fraud immediately. Call us during business hours or 
1-800-791-2525 on nights, weekends, and holidays to stop your card. Some local merchants may process your card for authorization through a location we currently have blocked. This may cause your card to be denied.

Visa offers comprehensive fraud protection, but Verified by Visa goes even a step further, adding an extra layer of security at the point where you enter credit card information online. The service helps prevent unauthorized online use before it happens by confirming your identity with an additional password.        

Fraudulent phishing scams have increased in activity over the past few months.  These scams consist of calls or text messages to cardholders in an attempt to gain access to account information. During these attempts, cardholders are informed that their debit card has been deactivated and needs to be reactivated. The cardholder is then asked to provide key account information such as card number, expiration date, PIN number and the three digit security code, in order to reactivate the affected debit card. 

For your security, if you receive a call, text or email that seems questionable or suspicious and you have a question about the validity it, call us at (580) 924-4242 or 800-446-1362. No one from the bank will ever need to contact you and ask you for your card number, PIN, or validation code.

Visa Credit Card

Confused by credit card offers?  We feel credit cards should be easy, accessible and straightforward, which is why we offer two different consumer programs as well as two different business programs.  Best of all you can choose which program will best fit your needs. 

Personal Credit Card Products - (Apply)

First Texoma National Bank's Low Rate Credit Card
Available to all applicants for both Visa and MasterCard
Low Introductory Rate for the first 6 billing cycles
Low ongoing APR, based on Prime
25 day Grace Period on all purchases - No grace period for cash advances or cash equivalent transactions
No Annual Fee
More Benefits

First Texoma National Bank's Preferred Points Card
Available to all applicants for both Visa and MasterCard
Low Introductory Rate for the first 6 billing cycles
25 day Grace Period on all purchases - No grace period for cash advances or cash equivalent transactions
Competitive Ongoing Rate
No annual fee
More Benefits

Log in to make payments or review account on line.

Savings Bonds

Important Change to U.S. Savings Bonds

Planning to buy a savings bond?
Paper savings bonds will no longer be sold at financial institutions after December 31, 2011
. But they' re not going away- electronic savings bonds can be purchased online through TreasuryDirect. Open a free TreasuryDirect account today at

Already have paper savings bonds?
Existing paper bonds are still valid and will earn interest for 30 years from the issue date or until redeemed. You can continue to cash savings bonds at our bank.

Open a free TreasuryDirect account today

With TreasuryDirect, you can safely and securely:

► Buy, manage and redeem electronic savings bonds
► Convert paper savings bonds to electronic
► Purchase electronic savings bonds as gifts
► Purchase other Treasury securities, including bills, notes, bonds and TIPS (Treasury Inflation-Protected Securities)
….and much more!

Stop worrying about misplacing or storing paper savings bonds, and start managing your savings online, anytime, through TreasuryDirect.

Sign up today at

Safe Deposit Box

Gaining the peace of mind, which comes from knowing that your important documents and other valuables are protected from loss or damage, is easy with a safe deposit box at First Texoma National Bank. There are many different box sizes to suit your specific personal needs.


Night Deposit Service

As an added convenience for our commercial customers, we offer a night deposit service at all locations. 

  • Make night deposits at one of our convenient locations. Click here to find the location closest to you.
  • Our night deposits are well lit for convenience and safety
  • With a lock bag issued to you, you can deposit items securely
  • Your deposit will be handled the next business morning


Order Checks

Order your checks online  from Harland Clarke, our preferred provider.

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