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ATM/Debit Card

  • 500+ FREE ATMs in Oklahoma – locate them here.
  • Use anywhere Visa is accepted.
  • PIN (Personal Identification Number) can be chosen by the card holder.
  • For lost or stolen cards call 888.306.BANK(2265) Monday - Friday 8:00 am - 6:00 pm CST.
  • If you have debit card issues after hours or on the weekends contact FraudWatch at 866.842.5208. 
  • If you are abroad have have debit card issues contact FraudWatch at 1.107.461.2551.

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 specified (i.e., 1st and 15th of each month).

Cashiers’ Checks

  • Cashier’s Check Fees:
    $5.00: First Bank & Trust Co. 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 W Main Street, 1720 McLish.
  • Duncan:  923 W Main Street, 1521 W Plato Road, 10th & Oak.
  • Healdton: 11098 Highway 76.
  • Norman: 2330 36th Avenue NW, 2400 Alameda.
  • Waurika: 101 N Main Street.

Credit Card (Consumer 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.

Visa® 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.


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

E-Pay (Internet Banking)

  • 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.


  • 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 and Savings accounts, Loans, and CD/IRA accounts.
  • Balance inquiries.
  • Transfer funds.
  • Local and toll free numbers:
    Ardmore: 580.223.5490.
    Duncan: 580.252.BANK (2265).
    Healdton: 580.306.BANK (2265).
    Norman: 405.292.INFO (4636).
    Waurika: 580.228.3223.
    All Others: 888.306.BANK (2265).
  • Need an actual person? Check out our Hours & Locations.

Mobile Banking

  • Access your account information (i.e. checking, savings, CDs, and more) from your Smartphone or other mobile device.
  • Transfer funds between accounts.
  • Pay Bills (Payees must be loaded on E-Banker).
  • Find our Banking Centers.
  • Receive up-to-date weather forecasts.
  • View check images.
  • Deposit checks.
  • Person-to-Person (P2P) Payments.

Mobile Deposit

  • Deposit checks easily from wherever you are.
  • Scan a picture of the front and back of your check to deposit.
  • Can be used on any of your First Bank & Trust Co. checking, savings, or money market savings accounts.
  • Checks deposited before 6:00 p.m. CST will be deposited that day.
  • Available on iPhone and Android devices from our First Bank & Trust Co. Mobile App--Free of charge! Message and data rates may apply.
  • Step-by-step guide here.
  • Mobile Deposit FAQs.

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 smart phone. 

Night Deposits

Night Deposits are conveniently located at the following Banking Centers:

  • Ardmore Main: 301 W Main.                                                                              
  • Duncan Main: 923 W Main.
  • Ardmore West: 1720 McLish.                                                                                    
  • Duncan Plato: 1521 W Plato.
  • Healdton: 313 W Main.                                                                                             
  • Norman 36th: 2330 36th Ave NW.
  • Norman Alameda: 2400 Alameda.                                                                        
  • Waurika: 101 N Main.

Notary Public

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

Person-to-Person (P2P) Payments

  • Send electronic payments to anyone in the United States.  
  • Completely safe way to transfer funds to others.
  • Provided free of charge--message and data rates may apply.
  • Add and delete debit cards easily.
  • View transaction history.
  • Step-by-step guide here.
  • P2P FAQs.

Safe Deposit Box Rental

  • $15 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 charge to replace one key.
  • The customer will be charged a fee to bust the box in the event box keys are lost or stolen.
  • Customers have access to the box during lobby hours only.
  • Safe Deposit Box sizes, prices, and available locations:
    • 2X5 Box: $25 Annually available at Healdton.
    • 3X5 Box: $30 Annually available at Ardmore Main, Duncan Main, Healdton & Waurika.
    • 5X5 Box: $40 Annually available at Duncan Main & Waurika.
    • 3X10 Box: $50 Annually available at All Banking Centers except Norman Alameda.
    • 5X10 Box: $70 Annually available at All Banking Centers.
    • 10X10 Box: $100 Annually available at All Banking Centers.

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: First Bank & Trust Co. customers.
  • $30.00: Non-customers.
  • $45.00: International Wire Fee – Customers.
  • $60.00: International Wire Fee – Non-customers.
  • $5.00: Cash Management – Domestic only.       
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