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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 card 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 and 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 Service 

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

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

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
    • 10X14 Box: $150 Annually available at Ardmore Main Only
    • Locker: $360 Annually available at 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: First Bank & Trust Co. customers
  • $30.00: Non-customers
  • $45.00: International Wire Fee – Customers
  • $60.00: International Wire Fee – Non-customers
  • $5.00: Net Teller/Cash Management          
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