Personal Checking

First Checking

Minimum to Open - $50.00
No minimum balance requirement
FREE Initial Mastercard Debit Card
FREE Unlimited Check Writing
FREE Online/Internet Banking
FREE eStatements (avoid statement fee)
FREE Mobile Banking
FREE Monthly Image Statements (Available only online).
FREE Online Bill Pay
FREE 24 Hour Telephone Banking
FREE Automated Transfers
$300 Overdraft Protection – ***Applicable Overdraft Fees or Returned Item Fees will apply. The categories of transactions for which an overdraft fee or returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal or other electronic means. The maximum amount of overdraft/returned item fees per business day is $140.00. The same item may prompt multiple fees if presented more than once, by the merchant. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

First Advantage Checking

Minimum to Open - $500.00
FREE with a minimum daily balance requirement of $500.00; otherwise, a monthly service fee of $10.00 will be charged.
FREE Initial Mastercard Debit Card
FREE Unlimited Check Writing
FREE Online/Internet Banking
FREE eStatements (avoid statement fee)
FREE Mobile Banking
FREE Online Bill Pay
FREE 24 Hour Telephone Banking
FREE Automated Transfers
$500 Overdraft Protection – ***Applicable Overdraft Fees or Returned Item Fees will apply. The categories of transactions for which an overdraft fee or returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal or other electronic means. The maximum amount of overdraft/returned item fees per business day is $140.00. The same item may prompt multiple fees if presented more than once, by the merchant. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

First Now Account

Minimum to Open - $1,000.00
FREE with a minimum daily balance requirement of $1,000.00; otherwise, a monthly service fee of $10.00 will be charged.
FREE Initial Mastercard Debit Card
INTEREST compounded & credited monthly to the account
FREE Unlimited Check Writing
FREE Mobile Banking
FREE Online/Internet Banking
FREE eStatements (avoid statement fee)
FREE Online Bill Pay
FREE 24 Hour Telephone Banking
FREE Automated Transfers
$500 Overdraft Protection – ***Applicable Overdraft Fees or Returned Item Fees will apply. The categories of transactions for which an overdraft fee or returned item fee may be imposed are those by any of the following means: check, in-person withdrawal, ATM withdrawal or other electronic means. The maximum amount of overdraft/returned item fees per business day is $140.00. The same item may prompt multiple fees if presented more than once, by the merchant. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.

* Interest rates & annual percentage yield will be determined at the bank's discretion. Rates are subject to change daily. Average daily balance method used to calculate interest on the account. Interest compounds monthly. Fees may reduce earnings.

Apply Now

In Case of Errors or Questions About Your Electronic Transfers

TELEPHONE US AT: (877) 202-0975
or
WRITE US AT: P.O. BOX 309, DURANT, OK 74702
as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

Tell us your name and account number.
Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will re-credit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

Overdraft Protection

***Applicable Overdraft Fees or Returned Item Fees will apply. The categories of transactions for which an
overdraft fee or returned item fee may be imposed are those by any of the following means: check, in-person
withdrawal, ATM withdrawal or other electronic means. The maximum amount of overdraft/returned item fees
per business day is $140.00. The same item may prompt multiple fees if presented more than once, by the
merchant. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example,
we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits,
or you have too many overdrafts.

**See "Fee Schedule" for information on charges for specific services.**