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Commercial Checking

Credit of $.04 is given for each $100.00 of the average collected balance during the month. In many cases these credits offset any maintenance or service fees the account may incur.

  • Minimum balance to open the account: $100.00
  • A maintenance fee of $6.50 will be charged for each monthly statement cycle.
  • A ledger entry fee of $.20 will be charged for each credit or debit entry.
  • A foreign item fee of $.07 will be charged for each check deposited which is not drawn on Oklahoma Bank and Trust Company
Money Market Savings Account
  • Available to ALL Customers
  • Minimum balance to open the account: $3,000.00
  • Interest is compounded and credited to your account every month.

We use the daily balance computation method to calculate the interest in your account, which applies a daily periodic rate to the principal in the account each day. You must maintain the minimum $2,000.00 balance to earn interest and to obtain the disclosed annual percentage yield.

Maintenance Fee – A monthly fee of $6.00; no maintenance fee is charged if a $6,000.00 average collected balance is maintained or if a $3,000.00 minimum balance is maintained.

Transaction Limitations – Transfers from this account to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per monthly statement cycle.

Transaction Fee – Withdrawals exceeding the above listed limitations will be charged an excessive withdrawal fee of $3.50 per item after six withdrawals.

Rate information and frequency of rate changes – At our discretion, your interest rate and annual percentage yield may change at any time.

Accrual of interest on non-cash deposits – Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items.

Protect Against Identity Theft

Never give out personal information to any unsolicited telephone calls or emails. We will never contact you for personal information.

Notify us immediately if you feel your account has been compromised at (580) 323-2345.

Obtain a free credit report at annualcreditreport.com.