Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Close Online Banking
A cashier swipes the credit card of a woman on his tablet.

ATM/Debit Card

  • Use anywhere Visa is accepted.
  • PIN (Personal Identification Number) can be chosen by the card holder.
  • To activate your card or change the PIN number call 800.290.7893.
  • For lost or stolen debit card call 877.976.2265 Monday-Friday 8:00 am - 6:00 pm CST.
  • To report a lost or stolen card after hours or on the weekends call 888.297.3416.
  • If you have debit card issues after hours or on the weekends contact Fraud Center at 855.293.2456.

Automatic Funds Transfer (AFT)

  • Internal transfer from one account to another. 
  • Customer must sign authorization.
  • Can be set up on E-Banker by customer.
  • Transfer dates can be specific (i.e., 1st and 15th of each month).

Cashier's Check

  • $5.00: Customers
  • $10.00: Non-customers
  • A Stop Pay cannot be applied to a Cashier's Check until 90 days after purchase.

Coin Counter

Available at these Banking Centers:
  • Ardmore: 301 West Main Street, 1720 McLish
  • Duncan: 923 West Main Street, 1521 West Plato Road, 10th & Oak
  • Healdton: 11098 Highway 76
  • Norman: 2330 36th Avenue NW, 2400 Alameda
  • Waurika: 101 North Main Street

Credit Card (Personal and Business)

  • To apply for a First Bank & Trust Co. Credit Card or to find out more information, click here.
  • To pay your First Bank & Trust Co. Credit Card bill online, click here.
  • If your credit card is lost or stolen contact Elan directly at 866.234.4691.

Gift Cards

Direct Deposit

  • The bank receives and originates ACH (Automated Clearing House) items.
  • No charge to the customer other than any applicable debit charge per deposit agreement for the type of account held.

E-Banker

  • View your accounts, statements, and check images. Transfer funds between accounts, make loan payments, place stop payments, and order check.
  • Click here for Step-by-Step E-Banker Instruction Guide.
  • See more information about Online & Mobile Services.

E-Pay

  • First 7 items per statement cycle are free.
  • Pay bills automatically over the internet.
  • Must have an E-Banker account.
  • See more information about Online & Mobile Services.

E-Statement

  • Available on your E-Banker account - no separate login.
  • Get email notices when your statement is ready and for account notifications.
  • Looks just like your paper statement but more secure than retaining a paper copy.
  • Enroll online and set your own preferences.
  • Click here for a Step-by-Step E-Statement Instruction Guide

First Line (Telephone Banking)

  • 24 hour touch tone banking.
  • Information on Checking, Money Market, Savings, Loans, and CD/IRA accounts.
  • Balance inquiries and transfer funds.
  • Local and toll free numbers:
    • Ardmore: 580.223.5490
    • Duncan: 580.252.2265
    • Healdton: 888.306.2265
    • Norman: 405.292.4636
    • Waurika: 580.228.3223
    • All Others: 888.306.2265 
  • Need an actual person? Check out our Hours & Locations.

Mobile Banking

  • Access your account information from your smartphone or other mobile devices.
  • Transfer funds between accounts.
  • Pay bills ( Payees must be loaded on E-Banker).
  • Find our Banking Centers.
  • View check images.

Mobile Wallet

Making purchases online, in-app, or in store? Paying with Mobile Wallet is convenient and secure. To use Mobile Wallet, you must have a First Bank & Trust Co. debit card and either Apple Pay, Samsung Pay, or Google Pay app installed on your smartphone.

Night Deposits

Night Deposits are conveniently located at the following Banking Centers:
  • Ardmore: 301 West Main Street, 1720 McLish
  • Duncan: 923 West Main Street, 1521 West Plato Road
  • Healdton: 11098 Highway 76
  • Norman: 2330 36th Avenue NW. 2400 Alameda
  • Waurika: 101 North Main Street

Notary Public

  • Free of charge.
  • Must be performed by a certified notary.
  • Individuals must present a valid form of government issued identification. 

Safe Deposit Box

  • $15.00 key deposit.
  • Two (2) keys are issued at the time the box is rented.
  • Two (2) keys must be returned when the box is closed.
  • $15.00 charge to replace one key.
  • The customer will be charged a fee to bust the box in the event both keys are lost or stolen.
  • Customers have access to the box during lobby hours only.
Safe Deposit Box sizes, prices, and available locations: 
Size                                       Price                                     Available Locations

2X5 Box                               $25 Annually                      Healdton

3X5 Box                               $30 Annually                      Ardmore Main, Duncan Main, Healdton, Waurika

5X5 Box                               $40 Annually                      Duncan Main, Waurika

3X10 Box                             $50 Annually                      All Banking Centers except Norman Alameda

5X10 Box                             $70 Annually                      All Banking Centers

10X10 Box                           $100 Annually                    All Banking Centers

10X14 Box                           $150 Annually                    Ardmore Main Only

Locker                                  $360 Annually                   Ardmore Main Only

Wire Transfers

Incoming Wire Transfer Fees
  • $10.00:  All Customers
  • $30.00: Non-Customers (pick up with proper ID)
Outgoing Wire Transfer Fees
  • $15.00: All Customers
  • $30.00: Non-Customers
  • $45.00: International Wire Fee - Customers
  • $60.00: International Wire Fee - Non-Customers
  • $5.00: Net Teller/Cash Management